Pre-Approval

Pre-qualification takes the guess work out of house hunting and refinance options. Complete a short form and your information will be reviewed by the appropriate mortgage specialist. At this point, your information will not be verified which means no credit checks or employment verification. This is an opportunity to receive a free, no obligation mortgage plan from a lending team you can trust.

1 Year Adjustable

A loan that has an interest rate that may adjust every 12 months. With the adjustment in the interest rate the corresponding principal and interest payment may adjust. The adjustments in both the interest rate and payment are subject to limitations (caps) both yearly and overall as established at the inception of the loan. The term of the loan is typically 30 years and the initial interest rate is usually lower than a 30 year fixed rate loan.