Loan Programs

Loan Programs

Fixed Rate Mortgages (FRM)

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

Adjustable Rate Mortgages (ARM)

Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.

Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)

Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.

FHA Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

Interest Only Mortgages

Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specified period of time.

Components of an ARM

Prior to choosing a home loan, you should know the advantages and risks of adjustable-rate mortgages to make an informed, prudent decision.

Commonly Used Indexes for ARMs

This article includes a list of the most commonly used indexes by ARM lenders that affect ARM mortgage rates.

Balloon Mortgages

Balloon mortgages include a note rate that remains fixed initially, and the principal balance becomes due at the end of the mortgage term.

Reverse Mortgages

Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.

Quick Quote

Have a general question?

Have a general question?

Complete this form to have someone from our office contact you
We received your submission, thank you!
Accredited Financial Group
Business Address

7964 Arjons Rd. Suite A
San Diego, CA 92126
1.844.GO.WITH.J (469-4845)

Legal Address

7668 El Camino Real #104-745
Carlsbad, CA 92009
Phone: (619) 818-2610
Email: Matt@J3HomeLoans.com

Company
Equal Housing Opportunity
Legal

Accredited Financial Group Inc. NMLS. 118906
Accredited Financial Group, Inc. DRE 01889760

Equal Housing Opportunity
©Copyright Accredited Financial Group. Each office in the Accredited Financial Group network is independently owned, operated, and licensed. Accredited Financial Group, LLC is not a lender, bank, or broker, and this website is not an offer to accept or handle an application for a mortgage loan. Accredited Financial Group, LLC is an Equal Opportunity Employer and supports the Fair Housing Act. © 2020 Accredited Financial Group, LLC. This information is not intended as an offer to sell, or the solicitation of an offer to buy, a franchise. It is for informational purposes only. It should be considered only in connection with the Franchise Disclosure Document. We will not offer you a franchise in states or other jurisdictions where registration is required unless and until we have complied with applicable pre-sale registration and disclosure requirements in your state. New York residents: This advertisement is not an offering. An offering can only be made by a prospectus filed first with the Department of Law of the State of New York. Such filing does not constitute approval by the Department of Law. Minnesota Reg. No. F-8089. © 2020 Accredited Financial Group, LLC.