There are many refinance loan options available. The type of loan that you would qualify for is based on a number of factors including appraised value of property, credit and income.

USDA mortgages provide insured home mortgage loans for borrowers that want to purchase a home with no down payment and no mortgage insurance.

The Fannie Mae Home Affordable Mortgage and Freddie Mac Relief Finance Mortgage are new loan programs created under the federal government's Home Affordable Refinance(HARP)program.

This innovative loan program allows you to purchase or refinance a property PLUS roll the cost of improvements into one monthly mortgage payment - with only one closing!

A reverse mortgage enables senior homeowners (62+) to borrow against the equity in their homes without having to sell the home, give up title, or take on a new monthly mortgage payment.

With a fixed rate mortgage, the interest rate does not change for the term of the loan; the monthly payment is always the same. Typically, the shorter the loan period, the more attractive the interest rate will be.

Conforming loans are conventional loans that meet bank-funding criteria set by Fannie Mae and Freddie Mac.

FHA mortgage loans are issued by federally qualified lenders and insured by the U.S. Federal Housing Authority, a division of the U.S. Department of Housing and Urban Development.

Designed to offer long-term financing to American veterans, VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration.

Jumbo Loans exceed the maximum loan amounts established by Fannie Mae and Freddie Mac conventional loan limits.