A fixed rate mortgage offers the peace of mind that interest rates will remain the same for the life of the loan. If you decide that you like the stable, predictable payments of a fixed-rate loan, you have the option of choosing from a variety of repayment terms of up to 40 years. We can customize the loan to fit your exact needs. Below is a sampling:

Conventional Fixed-Rate Mortgage 7 to 40 year term

The 30-year fixed is most popular and offers the maximum mortgage interest deductions for income tax purposes however, a 15-year mortgage offers a lower interest rate than a 30 or 20-year mortgage which saves you a significant amount of interest over the life of the loan.

• Select the term based on your requirements.
• Fixed principal payment
• Rate and payment stability
• Choice of payment frequency

100% Financing Home Solutions™

This loan is a low down payment mortgage options for borrowers that have very good credit but may have difficulty raising adequate funds for the down payment and closing costs.

• NO down payment loan
• Only $500 contribution from borrower to close
• Additional money can come from flexible sources including gifts from relatives, grants, or secured or unsecured loans from employers.

Lower Monthly Payments Interest First™

More cash management flexibility. For the first 15 years, you pay only the interest, taxes, and insurance due each month. The payment increases at the start of year 16 to fully amortize the loan over the remaining years of the mortgage term. However, the interest rate remains fixed for the entire loan term.

• More cash flexibility
• Enjoy lower payments than standard fixed rate products during the interest-only period
• Qualify for a larger loan amount based on the interest-only payment
• Invest the extra cash available to you each month, or pay other bills
• Prepay any amount without penalty at any time and immediately reduce future monthly payments during the interest only period.

Multi-Generational Families Families Together®

This choice makes it easier than ever for Florida's families to afford a home large enough to share with parents/grandparents or other expanded family members. Only available to select lenders nationwide.

• As little as $500 or 1% of the sales price (whichever is less) from your own funds.
• Family member must occupy the property with you for one year after the sale.
• For qualifying purposes income is increased, helping you qualify for more home.

Blemished Credit Timely Payment Rewards™

An expanded approval option that helps borrowers with less-than-perfect credit buy the home they want at a competitive rate.

• Loan amounts up to 100% of purchase price
• Minimum $500 borrower contribution towards down payment or closing costs
• Potential to lower your payment and interest rate after making timely payments for a specified period, without the cost of refinancing
• No pre-payment penalty

Government Assistance Limited Funds Available

Offered to increase home ownership opportunities for minorities, families of modest means, new Americans, first time home owners and other underserved individuals and families. Supported by Fannie Mae, and local and state government.

• Offers seasonal programs that feature low fixed rates and easier qualifying criteria.
• Opportunities for down payment and closing cost assistance.
• Income restrictions apply.
• Perfect for first time home buyers.