Realty One Group

Real Estate Mortgage Programs

Types of Loans

 

  • Variable or Adjustable-Rate Real Estate Mortgage - With an adjustable rate mortgage, the rate of the loan can change throughout the term of the loan. Many ARMs have a short fixed period and then become truly adjustable. The rate of the loan is based on adding points to a fixed base
  • Fixed-Rate Real Estate Mortgage - With this type of loan, the interest rate remains consistent throughout the term of the loan.
  • Balloon Real Estate Loan - A balloon loan is a real estate loan where there is a lump sum due at the end of the loan. This normally encourages an individual to refinance prior to the end of the term of the loan.
  • Jumbo Real Estate Loans - A jumbo loan is any residential or commercial loan exceeding the guidelines of Fannie Mae and Freddie Mac. 
  • FHA Real Estate Loans - An FHA loan is a loan in the United States that is insured by the Federal Housing Administration. 
  • VA Real Estate Loans - A VA loan is a loan in the United States guaranteed by the Veterans Administration. The loan may be issued by qualified lenders. The VA was designed to offer long-term financing to American Veterans or to their surviving spouses.

 

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