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Choosing a Loan Program

There isn't a single or simple answer to this question. The right type of mortgage for you depends on many different factors:

  • Your current financial picture
  • How you expect your finances to change
  • How long you intend to keep your house
  • How comfortable you are with your mortgage payment changing

For example, a 15-year fixed rate mortgage can save you many thousands of dollars in interest payments over the life of the loan, but your monthly payments will be higher. An adjustable rate mortgage may get you started with a lower monthly payment than a fixed rate mortgage, but your payments could get higher when the interest rate changes.

The best way to find the "right" answer is to discuss your finances, your plans and financial prospects, and your preferences frankly with a mortgage professional.


I just wanted to thank you so much for all your help. I closed Friday and it was seamless. You were great throughout the process and you kept me from jumping out of the window. Doing this myself as an unmarried woman was scary for me but now I feel like I can accomplish anything. You are terrific at your job and I was lucky to have you. Thanks again! - Chrstine
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