Interest Rates & Programs

This page will provide you with basic information about how interest rates work and a few of our more popular loan programs.  There are literally thousands of different loan programs available, and there just isn't enough room on this page to discuss all of them.  If you've got specific questions that aren't answered here, please contact one of our trained Loan Officers - their job is to know the loan programs inside & out, and they will gladly answer your questions.

Mortgage Calculators: Use these handy tools to run different interest rate / payment scenarios, compare fixed & adjustable rate payments, or calculate your refinance savings.

Rate Lock Periods: Learn how interest rates and the lock period you request are related

Rates & A.P.R.: Understand the mystery behind the A.P.R. on your mortgage

Fixed vs. Adjustable: Explore the positives & negatives of each loan type so you can make an informed choice about what's best for you

Hybrid Loans: Still can't decide between fixed & adjustable loans?  Take a look at the hybrid loan.

100% Financing: Don't have money for down payment?  With your good credit, that's no obstacle in the road to home ownership.

Buydown Options: Learn the secrets about paying points to get a lower interest rate