Below you will find a list of common loan programs. Follow the link of a given program to read detailed explanations about that type of mortgage.

As well, you will find a Mortgage Glossary located in the bottom section of this page.

• Fixed Rate Mortgage - What does the term 'Fixed Rate' specifically mean and what are the benefits of having a Fixed Rate Mortgage?
• Adjustable Rate Mortgage - Also known as ARM's or Variable Rate Mortgage. Explains advantages, common terms; what is a Negative Amortization Mortgage (Neg-Am); includes an 'Index Table' that explains Prime Rate, CODI, COFI, CMT, MTA, and LIBOR
• Balloon Mortgage - What is a Balloon Mortgage? When would it make sense for you?
• Home Equity Loan - 2nd Mortgage - Explains the difference between a Home Equity Loan (Home Equity Line of Credit or 'HELOC') and a 2nd Mortgage, as well as which may be best for you
• FHA - VA Mortgage - Covers government sponsored programs and their benefits. Includes FHA, VA, Cal Vet, as well as other state specific and local programs
• Documentation Options - What are the differences between Full Documentation (Full Doc), Limited Documentation (Limited Doc or 'Lite Doc'), Stated Income and 'No Income No Asset' (NINA) programs?
• 40 Year Mortgage - We offer a variety of Term options. One of the more increasingly popular options is the 40 Year Term
• 50 Year Mortgage - Going one step further is the 50 Year Term. Read about the benefits of this program


View a Complete Mortgage Terms List Here.