Mortgage Basics
Jump in and get an overview on common
mortgage terms
Application Checklist
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable ARM
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions.
Interest Only
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle.
Graduated Payments
Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years)
Private Mortgage
Insurance (PMI)
Private Mortgage Insurance or PMI is insurance that protects a lender from increased risk from borrowers putting less than 20% down on a house. Read about PMI, how it works, cost and more by clicking learn more below.
Refinance
Refinancing your mortgage is a common practice used to lower monthly payments, interest rates, lower your DTI and more. Read about refinancing, how it works, cost and more by clicking learn more below.
Glossary of Terms
See a full list of mortgage terms by clicking learn more below.
Foreclosure
Foreclosure is the process of a lender seizing a property in accordance with the terms stipulated in the mortgage contract. Read about foreclosure and how to avoid it by clicking learn more below.
Mortgage Rate Options
Fixed Rate
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable ARM
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions.
Interest Only
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle.
Graduated Payments
Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years).
4.9-Star Rated on Google, Most Trusted
We’ve helped over 50,000 clients and funded over $7 billion — find out why they trust us
"As first-time homebuyers, we had no idea where to start. The team walked us through every step and made everything incredibly easy to understand. They were always available to answer our questions, and we never felt pressured. We ended up getting a great rate and closed faster than we expected. Highly recommend!"
“I’ve worked with lenders before, but this was by far the smoothest experience I’ve had. The process was quick, communication was clear, and there were no surprises. From application to closing, everything was handled professionally. If you’re looking for a stress-free mortgage process, this is the team to go with.”
“We refinanced our home and couldn’t be happier with the results. Not only did they secure us a lower rate, but they also explained all our options in a way that actually made sense. We’re now saving a significant amount every month. Truly grateful for their guidance and support.”
Mortgage Resources
Tools to help you along the way
Mortgage Calculator
Step by Step Guide
Loan Programs
Mortgage News
Quick Application
Mortgage Basics
Mortgage FAQ
Get Started with your Digital Mortgage
Answer a few quick questions, No Hassle, No Obligation
HOME LOANS SIMPLIFIED
Get in touch today, and lets work together to find the perfect mortgage solution for you!
