Reverse Mortgages

A reverse mortgage is a special type of loan made to older homeowners to enable them to convert the..

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Interest Rate

The most common buydown is the 2-1 buydown. In the past, for a buyer to secure a 2-1 buydown they would pay...

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Loan Process

1) Calculate - Find out what your payments would be, compare the cost of living between 2 cities and more.


2) Check Rates - Browse through our interest rates for different loan programs. Updated daily.


3) Prequalify - We will help you determine just how much house you can afford.


4) Apply Online - Use our secure, online 1003 mortgage application which will be placed in top priority and receive immediate attention.


5) Contact Us - If you have any questions or if you need help with anything on this website.


Loan Programs

Fixed Rate Mortgages - The most common type of mortgage program where your monthly payments for interest and principal never change...


Standard ARMS and the Differences - Choosing an ARM with an index that reacts quickly lets you take full advantage of falling interest rates...


Introductory Rate ARM's - Most ARM's have a low introductory rate, which is good anywhere from 1 month to as long as 10 years...


Reverse Mortgages - A Special type of loan made to older homeowners to enable them to convert the equity in their home to cash to finance other needs...


London Inter Bank - LIBOR is the rate on dollar-denominated deposits, also know as Eurodollars, traded between banks in London...


Interest Rate Buydowns - The buyer would pay points above current market points in order to pay a below market interest rate during the first two years of the loan...


Cost of Funds Index (COFI) - The ratio of the dollar amount paid in interest during the month to the average dollar amount of the funds for that month...


Graduated Payment Mortgage (GPM) - With a GPM the payments are usually fixed for one year at a time.


Choosing The Best Program - The right type of mortgage for you depends on many different factors