Understand your Loan options

Choosing the write loan program can be frustrating. Let Tami simplify the process, and educate you about your options so you can feel empowered that you have made the best choice possible for your family's financial needs.
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Choosing the right Mortgage Program

Every situation is different. It is important to me as we work together that you feel educated about your mortgage options. Whether you are looking to refinance your existing mortgage, secure a new loan for your future home, or explore options for utilizing your home equity; I am here to ensure you feel confident in choosing the loan program that aligns with your goals and circumstances. I will be by your side during the process and together we can set the foundation for your new financial chapter. 

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  • 01

    Fixed Rate

    The rate and monthly payment stays the same for the life of the mortgage, which can be 30, 25, 20, 15, or even 10 years.

  • 02

    Adjustable Rate Mortgage (ARM)

    The rate and monthly payment stays the same for a fixed amount of time (10, seven, five, three, or one year), then adjusts periodically based on changes in a pre-selected index.

  • 03

    Jumbo

    A loan that exceeds the conforming mortgage amount—currently $766,550, but may vary by state—and can take many forms, including fixed rate, ARM and interest only.

  • 04

    FHA

    The Federal Housing Administration program, controlled by the Department of Housing and Urban Development (HUD), removes lender risk allowing buyers who might not otherwise qualify for a home loan to obtain one.

  • 05

    VA

    Designed to provide assistance in purchasing a home for United States veterans. In most cases, no down payment is required and the parameters for obtaining the loan are less stringent.

  • 06

    Non QM

    For loans that don’t fit the standard guidelines, there are a large selection of loan options served locally.

  • 07

    Home Equity Line of Credit

    A HELOC is a convenient and cost-effective way to borrow money for almost any purchase, using your home equity as collateral. You’ll get the flexibility to pay down your credit line and access funds as you need them.

  • 08

    Construction Financing

    Ideal for new construction, this option is an adjustable rate mortgage with jumbo financing up to $5 million and down payments as low as 15 percent. The loan is interest only until project completion with renovation terms between 12 to 18 months and can be combined with lot acquisition financing.

  • 09

    VA IRRRL

    Interest Rate Reduction Refinancing Loans are available to United States veterans. A VA IRRRL must result in a lower interest rate except when refinancing an existing VA guaranteed adjustable rate mortgage to a fixed rate.

  • 10

    USDA Guaranteed Rural Housing Loan Program

    Geared towards homebuyers looking for quality affordable home lending to purchase and live in rural communities. The program offers affordable interest rates and no monthly mortgage insurance.

  • 11

    FHA 203K Limited & Standard

    The Federal Housing Administration program, controlled by the Department of Housing and Urban Development (HUD), removes lender risk allowing buyers who might not otherwise qualify for a home loan to obtain one.