There are all kinds of homes, just as there are different types of people with various financial needs, goals and challenges. Luckily, I offer an amazing array of home mortgage products to help match the financing to you and the home of your dreams.

These are just a sampling of the options available to you through Atlantic Bay Mortgage Group

Fixed Rate

 

With a fixed-rate mortgage, budgeting and planning is easy. Because with the interest rate set for the life of the loan, your monthly payments never change. These mortgages are typically available with a term of 10, 15, 20, 25 or 30 years. The longer the loan, the less the payment each month, the shorter the loan, the faster you build equity. Fixed-rate mortgages are available for both new home purchases and refinancing. Back

 

Adjustable Rate Mortgages (ARMs)

 

An adjustable rate mortgage usually begins with a rate below that of a fixed rate loan, which can help you afford more home. After the initial period, typically one, three, five or seven years, the rate will adjust up or down for the remainder of the loan. If the rate drops, your payment decreases; if the rate rises, so does your payment. ARMs feature a lifetime cap to protect you from huge increases in your payment. Back

 

Government Insured or Guaranteed Mortgages (FHA and VA)

 

FHA Loans

FHA mortgages were developed to help low-to-moderate income home buyers realize the dream of home ownership. With low down payments and flexible guidelines for qualifying, they are insured by the Federal Housing Administration. What's more, they are available with fixed or adjustable rates.  The FHA loan limits was just raised this year enabling more people to qualify for it.  Ask for details and how you might qualify. Back

 

VA Loans

Available to veterans and service personnel, VA loans are guaranteed by the Department of Veterans Affairs and typically require no down payment. A DD-214 certificate of eligibility is required. Back

 

Loans with No PMI (USDA Loans)

Want to escape paying Private Mortgage Insurance (PMI).  Jason can help those who want to hang onto as much of their money as possible, with a special mortgage product eliminating PMI from their monthly payment.  Income limits apply and it must be in a rural area that qualifies  Back

 

Jumbo Loans

If your dream home demands a large loan amount, from $417,000 to $5 million, a jumbo loan from Atlantic Bay Mortgage may be the answer..  Back

 

Investment Loans

Many Americans build wealth through real estate. Jason understands the needs and concerns of investors, and provides flexible programs for all types of investment properties..  Back

 

Loans For Those With Credit Challenges

Jason understands that life does not always go as you planned. And no matter what credit problems you may have faced—collections, bankruptcy or slow pays—we want to see you buy a home of your own. And we have a number of special loan programs available to make home ownership possible for hardworking people with credit challenges.  Back

 

Commercial Loans

 

If you have a loan need over 1 million dollars.  Jason has competitive programs depending on your particular situation.  Call or email today and run your scenario by Jason