Chose The Option That Work For You

Fixed-Rate Mortgages
Fixed-rate mortgage provide homeowners with peace of mind, since the monthly principal and interest payment will remain the same for the life of the loan. If you prefer the stable, predictable payments of a fixed-rate loan, you can choose from a variety of repayment terms of up to 40 years – and we can customize the loan to fit your specific needs.

Adjustable-Rate Mortgages
Adjustable-rate mortgages (ARMs) effectively increase a buyer’s borrowing power. That’s because ARMs typically offer a lower initial rate than a comparable fixed-rate mortgage. After that initial period, the rate can be adjusted at specified intervals. For example, a "3/1 ARM" is fixed at an initial low rate for the first three years, and then adjusts every year based on a national index.

Reverse Mortgages
If you own your own home and are 62 or older you may qualify for a reverse mortgage. This loan is based on the value of your home and typically does not have to be paid back until you sell the home, pass away or permanently move to another location. With a reverse mortgage, you can receive the funds as a single payment or as regular monthly income. You can also use the available funds as a line of credit, withdrawing cash as needed.

Loans for First-Time Buyers
Home Financing Center offers special mortgage programs designed to help first-time buyers achieve the American dream of ownership. Thanks to local, state and national government initiatives, qualified buyers may be eligible for
lower mortgage rates, reduced down payments and assistance with closing costs.

Jumbo Loans
To help buyers of luxury single-family homes or condominiums, Home Financing Center offers “jumbo” loans as high as $1 million or more. These loans are larger than the maximum limits for conventional mortgages set by Fannie Mae. Our programs can accommodate purchasers of primary residences, second/vacation homes and investment properties.

Refinancing Programs
To help homeowners take advantage of changing market conditions, we offer a variety of fixed- and adjustable-rate refinancing programs. In some cases, refinancing may allow you to lower your current mortgage rate, cut your monthly payments or shorten the length of your loan, thus reducing your total income expense.