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A Mortgage Experience Like No Other.

Wherever you are in life, we make your dream of affordable homeownership achievable. Customize your mortgage to help you land your first home, vacation home, or to save on your mortgage payment by refinancing your home loan.

Borrow It All

Pay no initial down payment and borrow the entire amount of the cost of your new home. 100% financing makes homeownership possible. Apply Now

Flexible Terms and Rates

You are in control! With both fixed rate and variable rate mortgage options, you get to decide which works best for your unique situation and budget. Apply Now

Expert Advice

Enjoy a stress-free experience with the help of a personal mortgage loan advisor! Cindy will help you decide on the best mortgage option for you! Apply Now

Customize Your Mortgage & Payment.

Wherever you are in your home-buying journey, we are here for you and will be by your side every step of the way. Saving money for you and your family is important! Our mortgage options give you control over finding the perfect mortgage payment that fits your unique needs. Ready to get pre-approved to lock in your rate? Get in touch with us now!

The mortgage: Buy the house of your dreams!

A mortgage is an important financing instrument for many home buyers. Whether you're buying a home for the first time or looking to refinance your existing loan, this page will explain the mortgage background and key considerations to make

Advantages of a mortgage loan.

The mortgage loan offers many advantages:

Access to property: For most people, a mortgage is the primary means of purchasing a home, whether it is a primary residence, a second home or an investment property.

Generally low interest rates: Interest rates on mortgages tend to be lower than other types of loans because of the security that real estate offers.

Long-term repayment: Mortgages offer a repayment period that extends over several years, which can reduce monthly payments.

Capital Accumulation: Mortgage payments consist of an interest component and a principal component. Over the

Types of loan Mortgages

There are different types of mortgages, each with their own characteristics. The most common are:

Fixed rate mortgage loan: The interest rate remains constant throughout the duration of the loan, thus ensuring the stability of monthly payments.

Adjustable rate mortgage: The interest rate may vary based on a financial index, which may result in fluctuations in monthly payments.

Conforming Mortgage: Conforming mortgages meet the standards and amount limits set by mortgage lenders. They are suitable for homebuyers whose loan falls within specified limits.

Jumbo Mortgages: Jumbo loans exceed the limits set for conforming loans. They are often used for high value homes.

How does a mortgage loan work?

Application: You first submit a mortgage application, providing detailed information about your finances, including your income, employment, debts and creditworthiness.

Pre-approval: After the initial assessment, you will receive a pre-approval indicating how much you can borrow and under what conditions.

Choice of loan: You choose the type of mortgage loan that best suits your needs and financial situation.

Property Appraisal: The lender will have the property appraised to determine its current value.

Final Approval: Once the home is appraised and all documents are in order, the loan is approved.

Closing: At closing, you sign the final documents and receive the money to purchase the home.

Repayment: You start with the monthly payments according to the loan contract.