For loans up to $625,500 (depending on where you live) we offer many products to suit your financing needs. It truly depends on your specific financial situation to determine which product is best for you. 30 Years Fixed Rate Mortgage This is the classic home loan. The mortgage payment remains fixed for the entire life of the loan and results in the smallest payment of principal & interest for you and your family. 20 Years Fixed Rate Mortgage 15 Years-Fixed Rate Mortgage 10 Years-Fixed Rate Mortgage All Three of these have lower interest rates than the classic 30 year loan. However, the payments are squeezed in over a shorter period of time, and therefore the monthly payment is higher than the classic 30 year mortgage. While your payment is higher, your balance on your mortgage gets paid down much faster than a 30 year loan. This results in your home being paid off much more quickly. Feel free to use our 30 year versus 15 year mortgage calculator to assess what is best for you and your family. For a more seasoned investor or owner we offer ARMS up to $2MM: 3/1 ARM 5/1 ARM 7/1 ARM 10/1 ARM An ARM stands for adjustable rate mortgage. A seasoned buyer will use a short term ARM if they know they are buying a property and selling it within a short period of time, because the monthly mortgage payment tends to be much lower than most other mortgage products. Adjustable rate mortgages fluctuate with the marketplace. Example: 5/1 ARM 3% – The first five years, the rate stays fixed at 3%. Afterwards, it adjusts to the index rate plus the margin. This means it will adjust to the index rate used by the lender, plus a margin charged by the lender. We are able to help finance your luxury home purchase through our Jumbo Loan Programs. 10 Years Fixed Rate 15 Years Fixed Rate 30 Years Fixed Rate FHA loans FHA stands for the Federal Housing Authority. FHA Loans are government backed loans. They enable a low-credit homebuyer the ability to purchase a property with as little as 3.5% down payment. Currently we can offer this to clients with 600 or more credit scores. We offer FHA products for those with credit scores from 550-600 with a 10% down payment. It is best to dial us or enter your information on our homepage and a representative will call you with a quote. Commercial Mortgages Multifamily Apartment Buildings Retail Strip Center / Malls / Single Tenant Office Buildings Industrial/Warehouse Hospitality Owner Occupied Commercial Properties SBA Loans, EDA Loans, Etc. We finance commercial properties ranging from $1M to $500M. We are in lock step with the marketplace of lenders. Therefore we know which lenders are lending aggressively on a particular type of property at any given time, and in what areas. We work tirelessly on deals negotiating rate and terms that are suitable to our client’s needs. We can arrange 5 year fixed, 10 year fixed, and if qualified, a 15 year fixed commercial mortgage for your next purchase or refinance. We have relationships with over 60 lending institutions, including community banks, life insurance companies, conduit lenders, and bridge lenders. Please consult your mortgage loan originator as to which products you qualify for.