$100 Down: HUD currently has a program where you can buy houses in their inventory with a $100 downpayment and have the closing costs and pre-paid items included in the Sales Price.  The loan you recieve is a 30 year fixed FHA loan.  Please contact us for more information as not all mortgage companies can offer FHA loans and not all Real Estate Agents can bid on these properties.

Reverse Mortgages: Although many of our loan officers are trained in Reverse Mortgages, that doesn't mean that we promote the use of them.  Like other types of "exotic" mortgages, they are not for most borrowers, even those who feel that they would be.  As one example: Realize that using a Reverse Mortgage in order to span the time between now and selling your house in a few years could result in you borrowing money at an overall interest rate (APR) of over 50%!

Programs: While we can offer almost every loan program available, we have always been firm believers in the 30 year fixed rate loan.  This belief has kept our borrowers out of the bad loans that so many other borrowers were put into.  And let's face it, if you can't afford the payment under a 30 year fixed rate loan then all you are really doing is betting that something will happen in the future that will allow you to afford it; such as a raise, a big increase in house prices, interest rates declining, etc.  However, with that being said, we will be happy to help you compare any other programs you'd like with a 30 year fixed rate using our unique "side-by-side" Good Faith Estimate.

Rates: We apologize but we do not quote rates on this web site. 

1. Fannie Mae and Freddie Mac have changed their pricing such that the interest rate that a borrower receives is a function of their credit score and the equity in the property.  Therefore, a rate quote can vary by 1% or more due to a borrowers Credit Score and downpayment. 
2. While rates used to be set in the morning and honored all day, that is not the case anymore.  Many days the interest rate market moves enough for "mid-day" changes to rates. 

Deals: What you are really looking for is your best "deal"; the best combination of rate and costs.  Since rates and costs are inversely related, a company that offers you the lowest rate may not have your best "deal" if that low rate comes with closing costs that are much higher than other deals with  slightly higher rates.  The same goes for a company that touts that it offers loans without closing costs but then charges you a much higher rate.  Don't be fooled by those mortgage companies touting the "best rate" or "No Closing Costs"; compare the whole "deal" before deciding.