Loan Programs
Atheria Mortgage Solutions
Loan Programs
Explore various home loan options and get expert guidance to find the mortgage that best suits your needs and goals.
Mortgage Rate Options
Fixed Rate
TThe traditional fixed-rate mortgage is the most common loan option, offering consistent monthly principal and interest payments throughout the life of the loan.
Adjustable ARM
Adjustable-rate mortgages feature interest payments that vary over the loan term based on market conditions, often starting with a fixed-rate period.
Interest Only
Interest-only mortgages allow borrowers to make monthly payments that cover only the interest on the loan, rather than the principal, for a designated period.
Graduated Payments
Graduated Payment Mortgages feature payments that increase annually over a set period, such as five or ten years, before leveling off for the remainder of the loan term.
Loan Program Options
Conventional loans are not government-insured and provide greater flexibility with fewer restrictions, making them an excellent option for borrowers with good credit and stable income.
FHA home loans are insured by the Federal Housing Administration, offering low mortgage rates and requiring only a small down payment. They are an excellent option for first-time buyers or those with limited savings.
VA loans are mortgages backed by the Department of Veterans Affairs, providing military veterans with outstanding benefits, such as low interest rates and no down payment requirements.
A jumbo loan is used to finance properties that exceed the limits of a conventional conforming loan. The maximum limit for a conforming loan is $766,550, making jumbo loans ideal for higher-priced homes.
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