There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we're here to help you choose the best type of home loan for your needs.
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A real Pre-Approval Letter is what lets you make an offer with confidence — and lets sellers and agents know you're a serious, qualified buyer. We put you through real underwriting up front, not just a soft credit pull, so the letter in your hand actually means something when it counts.
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See what a real Pre-Approval Letter means for your offer, and why working with a mortgage broker — instead of a single direct lender — gives you more options, not fewer.
A loan officer at a direct lender can only offer you that one company's programs and rates. As a broker, Access 1 Properties works for you, not for a single bank — so we shop your loan across many lenders to find the best fit for your situation.
Because we work with a wide network of lenders every day, we know which programs fit which borrowers. That means more options for you — conventional, FHA, VA, jumbo, and more — instead of being limited to what one lender happens to offer.
Our team interacts with multiple lenders and their underwriting teams every single day. That close relationship helps us move your file faster and head off problems before they slow down your closing.
Losing a great deal because your approval letter wasn't strong enough is one of the worst feelings in real estate. We get you a real, underwritten Pre-Approval Letter up front, so you can move fast and make offers with confidence.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-i...
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...
Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...
A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum conforming loan amount is set annually by the FHFA and varies by county — contact us for the current limit in your area...
