PRODUCTS
Estates Mortgage Group offers a variety of loan programs to meet your needs
We work with the leading lenders in the industry to provide:
Conventional Loans
30-Year Fixed-Rate Mortgages The 30-year conventional fixed-rate mortgage has long been popular due to its fixed interest rate and lower monthly payments, however, since the interest payments are spread out over 30 years, you'll pay more interest over the life of the loan than you would on a shorter-term mortgage. 15- and 20-Year Fixed-Rate Mortgages With a shorter loan term and lower interest rate, a 15- or 20-year fixed-rate mortgage can help you pay off your home faster and build equity more quickly, although your monthly payments will be higher than with a 30-year loan. The 15- and 20-year fixed-rate mortgages are especially popular for refinancing. The alternative to the fixed-rate mortgage is the adjustable-rate mortgage (ARM), which features lower monthly payments during the first few years. While many prefer the security of a fixed-rate loan, an ARM may be a better option - especially if you know you'll be moving within the next several years. Please call for more information.
Term: 30 years Maximum Amount: $417,000
FHA Loans
FHA loans are government loans offered by the Federal Housing Administration. They require as little as 3.5% down payment with low closing costs and easy credit qualifying. Call for more details.
Term: 30 years Maximum Amount: $417,000
VA Loans
VA helps Service members, Veterans, and eligible surviving spouses become homeowners. Call for more information
Term: 30 years
JUMBO Loans
Jumbo mortgages are home loans that exceed conforming loan limits. A jumbo loan is one way to buy a high-priced or luxury home. If you have a lower debt-to-income ratio, a higher credit score, and a larger down payment, a jumbo loan may be right for you. The limit on conforming loans is $417,000 in most areas of the country, but jumbo mortgages can exceed these limits. Please call for more information
Term: 30 years
Specialty Programs
First time home buyer programs, new construction, renovations and others. Call for more information.
Term: 30 years
Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.
