Loan with an interest rate that’s set for the entire 30 year term.

Best For: Home buyers who want a lower monthly payment resulting from stretching out repayment over a 30 year period. The fixed rate makes the payment predictable.

Loan with an interest rate that’s set for the entire 15 year term.

Best For: Homeowners who want to build equity and pay off the loan faster. Payments are predictable because the interest rate doesn’t change. Higher monthly payment than a 30 year loan, but total interest paid is less.

Loan with an interest rate that can change over the life of the loan.

Best For: Initial rates can often be locked for 1, 5, 7 or 10 years, and then will adjust annually thereafter. This type of loan is best for homeowners who don’t plan on having the mortgage for a long time, or who believe interest rates will be lower in the future.

An FHA mortgage is a home loan insured by the Federal Housing Administration. The cap on the loan amount is determined by the county in which the property is located.

Best For: While the amount of the loan is capped at the county maximum (i.e., in Los Angeles County the cap is $765,600 for a SFR), FHA loans allow for down payments as low as 3.5%. FHA will also accept credit scores as low as 500.

Jumbo home loans are mortgages above a certain dollar amount. Jumbo loan limits vary by county.

Best For: Homeowners who need loans for higher priced properties.

Our unique and diverse products will ensure that you as the borrower will have access to the best financial product for your particular situation.