Conforming Fixed loans are the "vanilla" of the mortgage market.  A simple well understood product, which affords competitive long-term rates.  Conforming Fixed is your benchmark for any creative financing package, and by far, the mortgage industry leader.

Borrower Profile

*Wanting the security of stable, fixed mortgage payment

*Plan to stay in their home for the long term

*Have a conservative approach towards financing

*Looking for a fast, simple mortgage

Our ARMs provide a fixed payment during the early years of a mortgage. After the fixed introductory period, these loans adjust based on the market index plus the current margin.

Borrower Profile

*Relocating borrowers seeking short-term security

*First-time homeowners looking to move up, yet unsure of how long they'll stay in their new home

*Borrowers who would normally prefer a fixed-rate loan, but are tempted by the lower rates available on ARMs

Flex 100 and Flex 80/20 are no down payment loans for borrowers with no money in the bank but very good credit histories. With no down payment and the ability to use non-traditional sources for closing costs and prepaid items, ideal for first-time buyers. 

Borrower Profile

*Limited Assets

*Does not want to liquidate funds

*Strong credit profile

*Trying to avoid paying rent, but no time to save for a down payment

Available in Fixed or ARM Amortization

Borrower Profile

*Prefer not to document their income level

*Terrific credit but limited assets or an asset base that obviously demonstrates an income higher than report

*Self-employed, salaried, and retired borrowers 

Available in Fixed or ARM Amortization

Borrower Profile

*Wants to build a new home without paying for two closings

*Prefer to know the terms of your long term financing at the time construction begins

*Needs the flexibility of choosing a niche product for financing

Jumbo loans are loans $417,001 and greater.  Jumbo loans are available in Fixed Rate or ARM amortization.