Conventional Fixed Rate Loans
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It ensures a consistent monthly payment throughout the term of the loan.
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The 30-year and 15-year fixed are the most popular loans in this category of loans.
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Since the amortization period is the longest, it allows for a lower monthly payment than any other fixed rate loan amount up to $679,650.
Conventional Adjustable Rate Loans
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Savings can be used to pay down other debt.
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An ARM is a great option for clients who intend to refinance or sell a home in an expected time frame.
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The 7-year and 10-year ARMS are the most popular ones in this category of loans.
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Buyers can save thousands of dollars in payments during the initial fixed period vs. a fixed rate loan with a higher rate.
Jumbo Loans
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Loan amounts up to $2,000,000
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We specialize in fixed rate mortgages with terms of 30 years and 15 years.
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Rate fixed for an initial period of 3, 5, 7, and 10 years. The term on these loans is 30 years.
FHA Loans
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Only 3.5% down payment is required for most areas
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Clients can qualify for an FHA loan even with a credit score as low as 550
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Fixed-rate and adjustable rate loans are available
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Loan amounts to $679,650 (in high cost areas such as Los Angeles and the San Francisco Bay Area).
HARP Loans
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Homeowners save hundreds of dollars on mortgage payment each month
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Loan-to-value is not a factor in determining qualification for a HARP loan
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Relief for underwater homeowners who have a loan balance that is higher than the value of their homes
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No equity, no private mortgage insurance, and no credit minimums are required to take advantage of HARP loans