IDEAL FOR FIXED RATE OPTION ADJUSTABLE RATE OPTION BENEFITS
Fixed Rate Mortgages Predictable payments Yes No Principal and interest payments never change
Adjustable Rate Mortgages Lower initial interest rate No Yes Pay less per month early in the loan's term 
Government Insured Mortgages First-time homebuyers Yes No Lower down payment requirements
Construction Mortgages Custom-built homes Yes Yes Converts to permanent loan following construction
Land Loans Land purchases  Yes Yes Allows two years for construction of home 
Jumbo Mortgages
 Financing beyond $417,000 Yes  Yes Provides more funding flexibility for qualified borrowers 
Reverse Mortgages
Homeowners age 62 and over  Yes Yes Use the equity accumulated in the home while retaining ownership of the home
Good As Gold Pre-Approval  Gain more leverage as a buyer when we provide a 90-day pre-approval commitment based on your credit history and application.