
Our Home Loan Options Include:
30-Year Fixed Rate Mortgage
- Settle down for the long haul with a 30-year fixed rate mortgage. You can look forward to consistent monthly payments for many years to come, providing you with peace of mind and a consistent budget.
- 15-Year Fixed Rate Mortgage
- Pay off your home twice as fast with a 15-year fixed rate mortgage. Your rate stays the same throughout the life of the loan, giving you secure and predictable monthly mortgage payments.
- Adjustable Rate Mortgage
- Keep your options open with an Adjustable Rate Mortgage (ARM). ARMs are a great home-buying option and typically offer lower interest rates than fixed mortgages and extra protection with rate caps.
- Jumbo Loan
- Move into your forever home with a jumbo loan. Need a loan that exceeds the current conforming limit? A fixed or adjustable jumbo mortgage can help you make your move.
- FHA Loan
- Make your homeownership dreams come true with an FHA loan. Featuring flexible credit restrictions and down payment options as low as 3.5%, an FHA loan is a popular option for first-time homebuyers.
- VA home loan
- Enjoy exclusive military benefits with a VA loan. If you are a veteran or an active-duty service member, a VA loan offers less restrictive credit guidelines and low down payment options for you and your family.
- Interest Only Mortgage
- Free up your cash flow with an interest only mortgage. Take advantage of the lowest possible monthly payments right off the bat to afford a more expensive home and invest your income elsewhere.
Reasons To Refinance
Lower your interest rate
This can make a big difference in your monthly out-of-pocket housing costs, saving you money.
Build equity faster
If you are in a position to make higher monthly payments due to an increase in salary or other good fortune, you may want to switch from a 30-year loan program to a 15- or 20-year term. This enables you to build equity faster and save money on financing fees.
Change your loan program
Some homeowners who start out in an adjustable rate mortgage (ARM) may want to switch to the stability of a fixed-rate mortgage. A consultation with Brian Savage, can help you determine if you can save money with another type of loan program.
Take advantage of improved credit score
If your credit score has improved as a result of making your mortgage payments on time and in full, you may be in a position to take advantage of your improved credit standing. We can review your current credit score, the terms of your existing mortgage, and review options for other loan programs that could not only reduce your monthly payment, but also save you money on interest fees paid over the life of the loan.
Use the equity you’ve established
A cash-out refinance allows you to tap into the equity you have built up in your home. You may want to pay off higher interest rate debt, send a child to college, or use the money for home improvements. And, if you are currently paying for mortgage insurance and your loan-to-value has decreased, you may qualify for a loan without mortgage insurance.
Regardless of your reasons for wanting to refinance your existing mortgage, we can help you make a decision that works best for you

Schedule A Free Consultation
Call Brian Savage, 727-642-3762, to discuss your situation and learn the options available to you.