“He was great, called him a lot to ask questions and he answered them if not he found the answer and called me back. Great person; would like to deal with him again. ”

Steve W.
Lake Saint Louis

“My loan officer was very thorough and always upbeat. I could tell he was honest and trustworthy.”

Peggy D.
Thornton

“Loan Officer was upfront and honest.”

Laura P.
Katy

“Everyone was very helpful and friendly. They worked around our schedule.”

George and Patricia M.
Jacksonville

“Our loan officer was wonderful! He did everything all the other companies told us they would do but were unable to follow through on. He did everything we asked of him and more! Thank you!”

Carrie B.
Watauga

“L.O. was great. Very professional. Fast closing. Easy from start to finish.”

Tom K.
Chandler

“Loan officer was just amazing.”

David and Kathleen E.
Las Vegas

“Everything was great! We will highly recommend our loan officer to our friends for future business.”

Richard and Tara V.
Douglasville

“My loan officer took time for me. He was interested in my problem – he was awesome! He is a valuable asset to your company. ”

Sandy and Ron C.
Coatesville

“Very thorough and exceptionally fast.”

Kristopher A.
Arnold

“It was great how quickly everything took place.”

Eva and Amy M.
Denver

“The terms of the loan itself stood out. I shopped around quite a bit and no one came close.”

Ronald D.
Pflugerville

“Fast and Painless; Everyone was so personable and it was not at all stressful. It went so smoothly even when my husband had to be out of town.”

Carol H.
Jacksonville

“It was very quick and our loan officer was great! He kept me informed about everything!”

Cathy and Benny B.
Irving

“My loan officer was especially helpful. She’s been extremely responsive and continually displayed the highest levels of professionalism.”

Cameron K.
Phoenix

“Very efficient and quick.”

Veronica M.
Las Vegas

“Everything was great! We will highly recommend our loan officer to our friends for future business.”

Charlene and Robert B.
Social Circle

“I was given goals to meet over about a three month period so as to get the best loan available to me. My previous lender did not do that.”

Jeremy H.
Greenfield

Adjustable Rate Mortgages (ARM)

Interest rates for these kind of loans tend to be far lower than the fixed-rate mortgage, but this rate adjusts at predetermined times over the years.

In the early years, borrowers can take advantage of the lower rate to purchase a larger home, and enjoy lower payments. Over time, this rate will adjust, going higher or lower, depending on the current market.

You may be able to find a Hybrid ARM, in which the interest rate is fixed for many years, then later adjusts only once for the remainder of the term. Your loan officer can help you choose the best loan for your own situation.