CONFORMING LOANS
Conforming loans represent home loans/mortgages that meet specific underwriting guidelines as set forth by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac). Just who are Fannie Mae and Freddie Mac? Click the link above for more information.

FIXED RATE MORTGAGES
Regardless of fluctuating economic activity, once a fixed interest rate is established, it will not change over the entire term of the loan. What loan terms are typically available and can they be customized? Click the link above for more information.

ADJUSTABLE RATE MORTGAGES
Adjustable rate mortgages change in response to fluctuating economic activity. To learn how to evaluate and compare adjustable rate mortgages, click the above link.

INTERMEDIATE ADJUSTABLE RATE MORTGAGES
In actuality, the intermediate adjustable rate mortgage is a hybrid of the best features of a fixed rate loan and an adjustable rate loan. Find out if they might be the right choice for you. Click the link above for more information.

INTEREST ONLY LOANS
Interest only loans provide for lower monthly payments than fully amortized loans. They also allow the borrower to qualify for a larger loan. Click the link above for more information.

HOME EQUITY LINE OF CREDIT
Using the equity in your home can be hazardous to your health, your financial health, that is. What are the pitfalls and what are the benefits? Click the above link for more information.

STATED INCOME LOANS
Do they or don’t they make that much? Only their tax preparer knows for sure! Find out why these loans were initially made available to borrowers. Click the above link for more information.

NO INCOME, NO ASSET LOANS
Do they or don’t they make that much? Nobody really cares-not butchers, bakers or even candlestick makers! Find out what lenders are looking for when making these loans available to borrowers. Click the above link for more information.

SUB-PRIME LOANS
Sub prime loans are typically credit risk driven and carry interest rates higher than more conventional loans, sometimes substantially higher. As a borrower, you need to exhaust all other loan possibilities before succumbing to a sub-prime loan. Find out why - Click the above link for more information.

BRIDGE LOANS
Bridge loans fill a short term gap in a borrowers’ need for funds. They’re easy to define but harder to find. Click the above link for more information.

REVERSE MORTGAGES
Give a homeowner an opportunity to turn equity into cash without any obligation to repay the lender as long as the borrower continues to reside in the property. Learn how by clicking the above link.