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Fixed Rate Mortgages (FRM) The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.
Adjustable Rate Mortgages (ARM) Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.
Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM) Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.
FHA Loans FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA Loans VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.
Reverse Mortgages Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.
As your trusted mortgage broker We have been working in the Southern California real estate and mortgage industries since 2001 and have successfully helped 100s of clients buy & finance their homes. Since the crash of the real estate market at the end of 2006 we've also had to adapt to the changing market helping many people successfully short sell their homes to avoid foreclosure. For those who want to keep their homes, my office has been successful in helping hundreds of people modify their mortgages to more manageable terms putting them in a position to stay in their home for years to come.
We are very familiar with the many loan products available in today's market to find out what type of loan will best suit you. Out team is ready to help you so let us know whether your a first time buyer, need to Refinance or simply want to get into an investment property. We're here to help. Hablamos Espanol.
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