Learn More About Mortgage Loans

Fixed Rate MortgageAdjustable Rate Mortgage
Jumbo LoanHome Equity Loan

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Want to learn more about the home loans we offer? Kim is here to help!




Fixed Rate Mortgage

Fixed rate mortgages are the simplest. This means your payment will not change over the life of your loan because your interest rate cannot change. These are among the most popular loans for those reasons. You can get a fixed rate mortgage for 30 years, 20 years, 15 years, or 10 years.*

Fixed Rate Mortgage is your best option if:

  • You plan on staying in the home long-term.
  • You think interest rates will increase.
  • You don't expect your income to increase significantly over the coming years.
  • You need to qualify for the largest loan and lowest payment possible.


  • Excellent Fixed rate of interest.
  • Level principal and interest payments for the full term of the loan.
  • No risk that changing market conditions will increase your monthly payments


  • You end up paying more in interest charges over the life of the loan.
  • Benefits of the fixed rate are not realized until after the 10th year. (10/1 ARM may be a better option if loan is paid-off within 10 years.)


*APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. Payment Example: The monthly payment on a $250,000 loan for 360 months at 3.534% APR would be $1,127.77. Property insurance will be required and flood insurance where necessary. Payments do not include taxes and insurance premiums and the actual payment obligation may be greater. Consult a tax advisor regarding tax.



Adjustable Rate Mortgage (ARM)

Adjustable Rate Mortgages, ARMs, offer a lower starting interest rate and therefore, a lower monthly payment. Your rate and your payment may increase, though, as time goes on. ARMs are useful loans for a variety of circumstances. You can get an ARM for 10 years, 7 years or 5 years. If you are a first-time home buyer, check out the best loan for you!

Adjustable Rate Mortgage is a great choice if you:

  • Want to maximize your buying power
  • Want to keep your payments lower during the first few years of your loan
  • Plan to stay move into a different home within the next ten years
  • Plan to pay-off your mortgage within the next 10 years
  • If, in the coming years, you expect your income to increase significantly


  • Allows for a higher loan amount.
  • Rate is fixed for a set period of time (10 years, 7 years, 5 years)


  • It's riskier because your interest rate is free to change after a certain period of time. Therefore, it can potentially increase dramatically during the lifetime of your loan.



Jumbo Loans

If you need to borrow more than $548,250 then a jumbo loan is your answer! You can get both fixed (30 years, 20 years and 15 years) or adjustable rate (5 year) jumbo loans.

Jumbo Loan is your best option if:

  • You need to qualify for the largest loan possible.
  • You plan on owning the home long-term.
  • You think interest rates will increase.
  • You don't expect your income to increase significantly over the coming years.



Home Equity Loans

A home equity loan may be an excellent way to utilize the equity in your home for a variety of reasons.  It may be utilized to finance:

  • Educational Expenses
  • Major purchases such as a boat, car, second home, or once in a lifetime vacation
  • Unexpected major medical expenses
  • Consolidate high finance charge debts into a lower interest rate loan.

Visit our home equity loans page to see what we can offer you!

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS#401252