With so many loan options from which to choose, how do you know which one is right for
you? A Mortgage Specialist can help you choose from the many financing options available.

Conventional mortgages offer you the ability to fix your interest rate for 10, 15, 20 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.

FHA, VA (Veterans Administration), and Rural Development loans offer very attractive
down payment options to qualified buyers. Some loan programs even allow up to 100%
financing.

If you are going to have a new home built, then you need to look at the advantages of our
Construction / Perm program. If you want to purchase a home that needs remodeling or
want to remodel your existing home, then our Renovation Loan is just what you need.

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, five, seven, or
ten years.

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.

For the buyer needing financing above conventional loan limits, we offer both fixed rate
and adjustable rates loans in amounts ranging up to $1.5 million. A number of financing
options are available.

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