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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.


We came back to use you for our new mortgage as your rates are competitive to bigger companies as well as your staff make the experience feel like a family transaction instead of just being the next number in line. Your staff had went above and beyond to make a difficult process run smoothly. We truly appreciate your business. We will refer you to friends and family. This will be our forever home so as much as we love the service I hope we don’t have to buy anymore houses. Thank you so much for all your hard work and making us feel like extended family!!! - Aaron and Carrol
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