Tier 1 Products

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Fixed-rate Mortgage

This is the most common type of mortgage where the interest rate stays the same for the life of the loan. Fixed-rates are typically offered in 30- and 15-year terms.

Adjustable-rate Mortgage

ARMs begin with a fixed-rate period, meaning that the borrower pays the same interest rate (usually a lower rate than fixed-rate mortgages) for a certain period of time, then pays a varied interest rate. After the fixed period ends, the interest rate will fluctuate.

VA loan

A Veterans Affairs mortgage, more commonly known as a VA loan are available exclusively for active military members and veterans. Typically, a VA loan does not require a down payment, minimum credit score, or mortgage insurance.

Conventional loan

This is a basic loan, not insured by the federal government (Federal Housing Administration, Veterans Affairs, etc.) If you have good to excellent credit, you’re a good candidate for a conventional loan.

FHA loan

The FHA (Federal Housing Administration) is a federal government agency that insures mortgages for borrowers with low credit scores, small down payments, or little equity if refinancing. FHA loans have flexible standards that accommodate borrowers in many financial situations.