Loan Programs

• Conventional Mortgages

Conventional mortgages offer you the ability to fix your interest rate for 10, 15, 25 or 30 years with the most competitive interest rates available. While the 30 year mortgage has been the industry standard, the 15 year option has become popular because it offers tremendous interest savings compared to longer terms.

• Adjustable Rate Mortgages (ARMS)

ARMs are tied to a market index and are popular with some borrowers because an ARM typically offers a lower starting rate than a traditional fixed rate loan. However, the interest rate on an ARM loan can adjust upward or downward according to a specific schedule. A "cap" limits the amount it may rise. An ARM loan may be an excellent loan for someone not planning to stay in their home for a long period of time. A number of plans are available offering interest rates that are fixed for the first one, three, or five years.

• Balloon Mortgages

Payments are amortized over a 30 year period, and generally provide for a lower interest rate than the 30 year fixed rate loan. However, the loan does "balloon" after five or seven years and the loan must be restructured for the remaining term.

• Jumbo Mortgages

For the buyer needing financing above conventional loan limits, we offer both fixed rate and adjustable rates loans in amounts ranging up to $1 million.

• Special Mortgage Programs

We offer a variety of special loan programs designed for home buyers with special needs. Whether you have limited income, you are a first time home buyer, disabled, have bad credit, etc., we have a program that can work for you.

If you will like to apply for a mortgage fill out the consent form below and the application and email it or fax it to 601-853-7769.

Apply for a Loan

Consent Letter