Josh Vahrenkamp

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What’s your level of experience?

For new homebuyers ready to start their journey
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Repeat buyers looking to upgrade or relocate
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Investors and multiple-home owners
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Find the best mortgage for you
We have many mortgage structures to fit your financial needs, some of our most common options include:

Most popular option with predictable payments

30-year Fixed Mortgage

Pay off your home faster with lower total interest

15-year Fixed Mortgage

These loans start with a fixed interest rate for a set period, then adjust annually

Adjustable-Rate Mortgage
- 10/1 ARM – Fixed rate for the first 10 years, then adjusts annually for the remaining 20.
- 7/1 ARM – Fixed rate for 7 years, adjusts annually after that.
- 5/1 ARM – Fixed for 5 years, then adjusts each year thereafter.

Pay only interest for a fixed period, then the loan converts to amortizing payments (principal + interest) with an adjustable rate for the remaining term

Interest-Only Mortgage Options
- 5/1 IO ARM – Interest-only for 5 years, then adjusts annually
- 7/1 IO ARM – Interest-only for 7 years, then adjusts annually
- 10/1 IO ARM – Interest-only for 10 years, then adjusts annually
Introductory terms
Essential terms every homebuyer should understand
A measure of the total cost of borrowing, including interest rate and fees, expressed as a yearly rate.
The difference between your home’s market value and the outstanding balance on your mortgage.
The fee the lender charges you to borrow money for your mortgage, based on a percentage of the principal.
A lender’s conditional agreement to loan you a certain amount based on preliminary financial information.
The amount you borrow from the lender to buy a home. This is typically calculated by taking the home value, minus the down payment (initial upfront investment into the mortgage).