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Fixed Rate Mortgages

This loan offers a set or fixed rate on a mortgage, which stays the same throughout your loan term. You will never have to worry about your monthly payments fluctuating, which means you can budget your finances accurately.

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Adjustable Rate Mortgages

This loan is popular amongst first-time homebuyers because it typically has a cheaper initial rate than a fixed rate mortgage. However, your rate varies depending on the market. This means that your monthly interest rates could rise or fall, which not only means it can be more difficult to budget, but it also means you could end up paying more than you originally expected.

Please contact a licensed mortgage professional before considering an adjustable rate mortgage. Adjustable rate loans carry a higher degree of risk and it’s important to fully understand how these loans function before taking out an ARM.

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FHA Loans

This loan is a government-backed loan that is administered by the Federal Housing Administration. An FHA loan offers affordable interest rates and has a low down payment requirement.

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VA Loans

If you are a current military member or a veteran, you could qualify for a VA loan, which is a government-backed loan administered through the United States Department of Veteran Affairs. This loan offers competitive interest rates and has a low down payment requirement.

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USDA Loans

With a USDA Rural Development Home Loan, qualified borrowers can purchase or refinance a designated U.S. Department of Agriculture rural property up to 100% loan-to-value with a 30 year fixed rate mortgage. These loans are not limited to first time homebuyers, and no down payment is required.

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Interest Only Mortgages

A loan option where your monthly payments are made only on the interest accrued on the loan.

Please contact a licensed mortgage professional before considering an interest only mortgage. Interest only loans carry a higher degree of risk and it’s important to fully understand how these loans function before taking out an Interest Only mortgage.

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Reverse Mortgage Loans

If you are a senior homeowner, this loan allows you to access some of your home’s equity and use it as cash without needing to sell your home.

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