Which loan is right for me?

Years you plan to stay in the home	Recommended program
1-3 years	3/1 ARM, 1 year ARM or 6 month ARM
3-5 years	5/1 ARM
5-7 years	7/1 ARM
7-10 years	10/1 ARM, 30 year fixed or 15 year fixed
10+ years	30 year fixed or 15 year fixed

 

Fixed Rate Mortgages 30 year fixed 15 year fixed

Adjustable Rate Mortgages (ARM) 10/1 ARM 7/1 ARM 5/1 ARM 3/1 ARM 1 year ARM 6 month ARM 1 month ARM

Balloon Mortgages 7 year 5 year

First Time Buyer Programs

Stated Income Programs

Interest Only Programs

No point, No fee Programs

Imperfect Credit Programs

Home Equity Line of Credit

Home Equity Fixed Loan

In addition to our standard loan programs, you may benefit by obtaining one of our many special programs:

Purchase your home with no down payment using Private Mortgage Insurance (PMI) or
Lender-paid Mortgage Insurance (MI)

Piggyback loans: 80-10-10 or 80-15-5. Avoid PMI payments by using Lender-paid Mortgage Insurance.

Debt consolidation programs.

Home Improvement loans.

You may qualify even if you've been turned down before!