1-3 Years

3/1 ARM

3-5 Years

5/1 ARM

5-7 Years

7/1 ARM

7-10 Years

30 Year Fixed/5 Year Fixed

10+ Years

30 Year Fixed/15 Year Fixed

Fixed Rate Mortgages
30 Year Fixed 
15 Year Fixed

• Monthly payments are fixed over the life of the loan
• Interest rate does not change
• Protected if rate goes up
• Can refinance if rate goes down

Adjustable Rate Mortgages
10/1 ARM
7/1 ARM
5/1 ARM
1 Year ARM
1 Month ARM

• Lower initial monthly payment
• Lower payment over a shorter period of time
• Rates and payments may go down if rates improve

First Time Buyer Programs

• Lower down payment
• Easier to qualify
• Sometimes you may get lower rates

No Income Verification

• Don't need to verify income
• Faster Approval

No Point, No Fee Programs

• No closing costs
• Less money required to close

Imperfect Credit Programs

• Potential for reestablishing credit if you pay our mortgage on time
• When used for debt consolidation, you may be able to reduce your monthly debt payment