First Mortgages with terms of 10, 15, 20, 25, 30, 35 or even 40 years are extremely popular today. We make it very easy to get pre-approved for any one of these fixed rate loans. If you are purchasing or refinancing, a fixed rate mortgage offers you long-term payment protection since your principal and interest payment will never change. And since rates are still at or near historic all-time lows, a fixed rate product may be your best choice for home financing.

This loan has a very low initial interest rate followed by annual rate adjustments that are typically tied to an "index" and "margin". We offer several types of 1 year adjustables that use a variety of indexes to calculate rate changes. Many of these products offer interest rate "caps" that protect borrowers from excessive rate changes both on an annual, and lifetime basis.

This product works in the same fashion as a traditional 1-year ARM, however, it offers a borrower the added feature of having a fixed rate for the first 3 years of the mortgage. The initial interest rate for this product is considerably lower than that of a 30 year fixed rate mortgage. After the initial 3 years is over, the loan then changes to a 1 year ARM.

These loans work in exactly the same manner as a 3/1 ARM except that the initial fixed rate period is extended to either 5 or 7 years. This type of loan is also called a "delayed ARM" since the initial rate change is delayed for either 5 or 7 years. These ARM products are very popular right now since they both offer initial interest rates that are considerably lower than a fixed rate mortgage of the same term.

We offer a number of conventional loans with downpayment options as low as 3%. These loans are perfect for a first-time home buyer since they reduce the amount of funds needed to close on a loan. Call our offices for more details on these loan products.

This loan allows those with acceptable credit to finance the entire purchase price of a home. Not having to put a downpayment on a property makes it much more affordable to purchase a new home since the amount of cash required to close a loan is dramatically reduced. Furthermore, with interest rates still at all-time record lows, your monthly payment will still be very affordable.

If you have less than perfect credit, we can still help you! We offer a number of loan products for both purchases and refinances that will allow you to realize your dream of homeownership, consolidate debt, make home improvements, or any number of other goals.

If you are self-employed, chances are that you claim as little income as possible on your tax returns each year. While this makes perfect sense from a tax standpoint, it can sometimes hurt your chances of obtaining a loan approval with many types of conventional loan products. We have a number of great loan products that do not require income verification to obtain a loan approval. You tell us what your income is, and we can take it from there. It is really that simple.

If you are looking at commercial property to start a new business, or to help grow your existing business, we have a number of products that can assist you. Get your loan approved on a stated income/stated asset basis to decrease the necessary paperwork and time to close. These loan products are offered through our partnership with Florida Member's Mortgage.

Looking to build your dream home? We can help with single closing construction-perm financing that provides you with short-term construction financing. Once the construction of your home is completed, a simple loan modification agreement will convert your construction financing into a permanent mortgage with a loan term of up to 30 years.

If you are looking to purchase raw land, we can provide you with a number of financing options for land purchases. Please call Florida Member's Mortgage directly at (888) 636-2684 for details.

If a manufactured home is in your future, give us a call. Florida Member's Mortgage offers a number of manufactured housing loan programs. There are very specific program requirements, so please call us for details.