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Apply for a Loan Product from Home Loans Today and Get Low Rates on Mortgage Loans

Home Loans Today offers fixed rate, adjustable rate, interest only, FHA, VA, USDA mortgages and more. The type of home mortgage loan you choose will determine your mortgage rate, but at Home Loans Today you can rest assured that our highly-qualified loan officers will work with you to find the best product for your mortgage needs.

With a fixed rate home loan you don't have to worry about your monthly principal and interest payment changing...ever. Your mortgage rate and payment are fixed for the life of your home loan.

With an adjustable rate mortgage (ARM), you can lower your monthly mortgage loan payment because mortgage rates for ARMs are usually lower than traditional fixed rate programs. If you plan on selling or refinancing your home in less than 10 years, then an adjustable rate mortgage loan may be right for you. Everyone has different goals. Call us today to tell us yours and we'll help you decide on the best program for your situation.

Loans above the maximum loan amount established by Fannie Mae and Freddie Mac are known as ``jumbo`` loans. Because jumbo loans are bought and sold on a much smaller scale, they often have a higher interest rate than conforming, but the spread between the two varies with the economy.

With interest only home loans, you only pay interest during the initial interest only period. This type of home mortgage may allow for a lower initial monthly payment, qualify for a larger loan amount, and free up cash for other uses. Interest only loans aren't for everyone. Only those borrowers who understand the benefits and consequences of an interest only loan should use this type of financing. Call us today and we'll help you decide if an interest only loan is right for you.

FHA home loans are insured by the Federal Housing Administration. Although FHA mortgage rates may typically be higher than conventional mortgage loans, FHA home loans offer many advantages including low down payment requirements, flexible credit guidelines as well as the ability to lend in declining markets. FHA loans are one of the most popular products for first time homebuyers.

A VA home loan gives veterans, members of the military, or a surviving spouse of a veteran the chance to buy a home with no money down. Usually, these types of home loans are approved fast with minimal red tape.

Even if you have less-than-perfect credit, a VA loan might be the best for your financing situation. Other benefits of the VA home loan include it being offered as a fixed-rate or ARM mortgage that never includes monthly (PMI). At Home Loans Today, we appreciate the men and women who have served our country and are proud to offer VA financing. Call us today to discuss the best option for you.

USDA Loans used to be considered ``farmers loans`` but that is simply not the case anymore. Just about anyone looking to purchase a home outside a major metropolitan area can qualify for a USDA Loan.

Some of the eligibility standards that determine if you qualify for a USDA loan for your home include what county and zip code the home resides in, your current income and credit history, as well as the number of dependents you can claim.

Because these guidelines are very specific, it is important to work with a company that has experience dealing with USDA government financing to help determine your eligibility. At Home Loans Today, we understand the needs of customers and will help you find the right loan product for your situation. Call today to speak with one of our experience Home Loan Consultants.

Refinance your home with little or no equity with the HARP program. HARP is designed to provide opportunities for homeowners who are current on their mortgage payments to take advantage of today’s low rates even if they have negative equity. Many of the guidelines have still yet to be determined, but Home Loans Today will be positioned to offer this product once it is available. Call us today so we can put you on the e-mail list for regular updates regarding program availability.