John Dove


Fixed-rate mortgages feature interest rates that do not change during the course of the loan. Despite the fact that fixed rates are often higher than adjustable rates, they have the advantage of providing security against market volatility. Fixed-rate mortgages appeal to individuals who expect to stay in their house for longer than ten years.
Key Benefits
  • Monthly principal payment will never go up
  • Consistency in payment makes easy budgeting
  • No need to worry about rising rates, because your rate wouldn’t change
  • If rates go down, you will be able to refinance


FHA loans are mortgages offered by the Federal Housing Administration (FHA) to assist those with poor credit or who cannot afford a significant down payment.
Key Benefits
  • Allows lower credit scores
  • Great for first time home buyers
  • Higher debt-to-income ratios
  • Lower interest rates


VA-guaranteed loans are backed by the US government. No down payment, limited closing fees, no private mortgage insurance, lifetime benefit, and flexible credit standards are just a few of the benefits available to qualified service personnel and military families.
Key Benefits
  • Lower rates and decreased monthly payments
  • Special terms for existing loans
  • Less application steps
  • Low-cost closing


If you are self-employed, it can be difficult to show enough income on your taxes to qualify for a home loan. That’s why we offer Bank Statement Loans – where you simply provide bank statements for proof of income to qualify. These loans can go up to 90% LTV without having to pay mortgage insurance, allowing you to keep your monthly payment lower.
Key Benefits
  • Loans up to $3M
  • minimum Fico credit score 640
  • No mortgage insurance is required
  • Available on primary and secondary homes, investment purchase and refinances

Cash-Out Refinances

You may be qualified for a cash-out refinance if you have more than 20% home equity. A cash-out refinance entails taking out a new, refinanced mortgage loan and borrowing money against the value of your house. Cash-out may be used for various things, including debt reduction, education, home upgrades, investments, etc.
Key Benefits
  • Maintain one loan rather than multiple
  • Save with lower rates
  • Raise your credit score

Adjustable Rate

Adjustable Rate Mortgages(ARMs), often known as variable rate mortgages, change over time depending on market circumstances. ARMs are hybrid loans with a fixed interest rate for a certain period, after which the interest rate is modified once a year, depending on the loan conditions. In general, there are limits to how much an interest rate may rise or fall. While ARMs are officially 30-year loans, they are most appealing to people who expect to own their house for a limited amount of time owing to the unpredictability of future mortgage rates.
Key Benefits
  • Reduce monthly payments
  • More savings, if rates are decline
  • Ideal in case if you plan to buy a home for less than 10 years