What's Your Goal?
Choosing the right mortgage for your lifestyle could have substantial impact on your retirement, your net worth, and your family's future lifestyle. It is critical that you choose a loan program that fits your needs as well as your future goals. As your mortgage lender, it is my job to work with you to establish your goals and then find the right loan to meet those goals.

Below you will find several loan types that are offered for your next home purchase. I invite you to read through these loan types and give me a call at 888-691-0151 so that we can discuss what is right for you. You can also email me or complete my custom rate quote to get started.

• 30 YEAR FIXED RATE MORTGAGE
  The most popular type of mortgage, the 30-year fixed-rate loan, is most appealing to borrowers who want to stay in their homes for a long period of time.
  Learn More About Fixed Mortgage
  
  
  
• BALLOON MORTGAGES
  The Fannie Mae seven-year balloon mortgage is a type of fixed-rate mortgage with a term of seven years. The principal and interest you pay are amortized over a longer period (30 years) than the actual term of the mortgage.
  Learn More About Balloon Mortgages
  
  
  
• ONE YEAR ADJUSTABLE RATE MORTGAGE
  This adjustable-rate mortgage (ARM) offers a low initial interest rate with an interest rate that adjusts annually after the first year. The rate cap per annual adjustment is usually 2 percent; the lifetime adjustment caps can be 5 percent or 6 percent.
  Learn More About One Year Adjustable Rate Mortgage
  
  
  
• SIX MONTH ADJUSTABLE RATE MORTGAGE
  This adjustable-rate mortgage (ARM) offers a low initial interest rate for the first six months with an interest rate that adjusts every six months thereafter. The rate caps per adjustment can be 1% or 2%; the lifetime adjustment caps can be 4, 5, or 6 percent.
  Learn More About Six Month Adjustable Rate Mortgage
  
  
  
• COST OF FUNDS (COFI) - PAYMENT CAPPED ADJUSTABLE RATE
  The payment capped adjustable rate loan is one of the most popular programs for home buyers. This program allows for a very low initial payment rate, often below 2%, to allow for low payments during the early period of home ownership.
  Learn More About COFI & CODI
  
  
  
• THE TWO STEP MORTGAGE
  Fannie Mae's Two-Step Mortgage is a special type of adjustable-rate mortgage (ARM) that adjusts only once. Depending on whether you select a five-year or seven-year Two-Step Mortgage, your interest rate will adjust once at the end of either five or seven years.
  Leanr More About the Two-Step Mortgage
  
  
  
• MANUFACTURED HOME LOANS
  A manufactured home is a housing unit that is partially or completely factory built, off site, and transported in pieces to the final site where it is attached to a permanent foundation.
  Learn More About Manafactured Home Loans