LOCATION
530 Lytton Ave 2nd Floor,
Palo Alto, CA 94301

Mortgages

We can help find the right mortgage for your finances.

Traditional Mortgages

FIXED RATE LOAN

Features predictable and steady monthly payments with flexible loan terms.

Key Considerations:

You're planning to be in your home for awhile.

You're looking for a mortgage that has a monthly payment you can rely on.

Key Benefits:

Your principal and interest payment will not change over the life of the loan

Flexible terms, based on your needs

Adjustable Rate Loan

Offers flexibility and initial lower payments and interest rates.

Key Considerations:

You’re planning to be in your home for the short term.

You expect interest rates to remain stable or decline.

You want a lower initial monthly payment and don’t mind a variable interest rate.

Key Benefits:

Often a lower initial interest rate and payment

Flexible terms, based on your needs

FHA Loan

A great choice if you want to refinance or purchase a home with low down payment.

Key Considerations:

You want to buy a home with a low down payment.

You’re a first-time homebuyer.

You earn a qualifying income.

You want to refinance your existing loan at a lower rate.

Key Benefits:

Smaller down payment

Fixed rate

Flexible loan terms

Specialized Mortgages

Home Mortgage

Created for those with limited funds for a down payment or require more flexible funding options.

Key Considerations:

You have limited money available for a down payment.

Your income is at or below the median household income in your area.

You’re purchasing a home in an underserved area.

Key Benefits:

Low down payment options

Fixed rates, stable monthly payments

Reduced mortgage insurance premiums

Refinancing options available, no cash-out allowed

Construction Loan

For those looking to borrow more than $417,000 for a dream home.

Key Benefits:

Available for the construction of your primary residence

Fixed rate and ARM* loans available

Conforming and Jumbo Loan amounts available

One-time closing fee

Interest-only* payments during construction

Jumbo Loan

For those looking to borrow more than $417,000 for a dream home.

Key Considerations:

You want to borrow more than $417,000

You would like to take advantage of today's great rates

Key Benefits:

Financing on loans up to $2 million

Fixed rate and ARM* loans available