How do I know which program is right for me?
The first step in deciding which program is right for you is to take a realistic look at your individual situation. How much do you have for a down payment? How long do you plan on staying in the home before selling? Are you willing to pay points up front for a lower interest rate? Do you expect your annual income to increase in the near future or will it stay the same throughout your career? Does your income vary from month to month? How is your credit history? Are you purchasing an existing home from a seller?
We offer a great variety of mortgage programs so you can be sure to find the program that best suits your needs.
You can choose between our fixed rate mortgages with the option of a 10, 15, 20, or 30 year term in which the interest rate holds throughout the life of the mortgage. As always, our friendly loan experts are available to assess your current situation and guide you toward the product that’s right for you Monday - Wednesday 8:00 a.m. to 6:30 p.m. and Thursday - Friday 8:00 a.m. to 6:00 p.m. EST at 800-353-4449.
- Will my fixed rate mortgage payment fluctuate throughout the life of the loan?
- How will my taxes be paid?
- What is private mortgage insurance (PMI) and how does it benefit me?
- What is an escrow account? Why do I need one?
- How long will it take to close my loan?