There are a lot of things to consider when you're buying a home. How much down payment can you afford? How long am I going to be in this home? Do I want lower monthly payments?

There are a lot of loan types out there, but here are some of the more common options:


If lower monthly payment are your goal, pay interest - not the principal - for the first 10 years of the loan. This also allows you to qualify for up to 30% more home!


This type of loan is good if you don't have a large down payment. Plus, you get the added benefit of avoiding PMI (mortgage insurance) and it increases the amount of your mortgage tax deduction.


If you're planning to stay in a home for more than five years, this might be the loan for you. It offers a fixed principal and interest payments for the life of your loan - protecting you from rising rate increases.


A "fixed period" ARM (Adjustable Rate Mortgages) offers you the lowest rates - and lower monthly payments. Perfect if you're planning on moving within the fixed period, typically 1,3,5,7 or 10 years.


If you're self-employed and can't document your income this type of loan requires only verification of employment.


Your less-than-perfect credit can be perfect with us. We understand that anyone can experience financial troubles. We don't believe this should prevent you form getting attractive home financing options. With us, you may be approved even if you have a few bad marks on your record, like prior bankruptcy, credit problems, late payments, foreclosure, tax liens or collections. We believe that financing a home is an investment in your future and we view that investment with respect.