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Explore Your Mortgage Options: Find the Perfect Loan for Your Home Financing Needs

Assess your finances, credit, down payment, and goals to find the right loan. Contact our loan officers for personalized guidance. Each program suits specific borrower needs.

30-Year Fixed

LOAN TERM

Borrowers who prioritize long-term stability and predictability.
  • Stable and predictable monthly payments over 30 years.
  • Lower monthly payments compared to shorter-term loans.
  • Ideal for long-term homeownership.
  • Provides protection against future interest rate increases.

25-Year Fixed

LOAN TERM

Borrowers seeking a shorter loan term with slightly higher monthly payments.
  • Builds equity faster than a 30-year mortgage while still offering manageable monthly payments
  • Suitable for those who want to pay off their mortgage sooner and save on interest

15-Year Fixed

LOAN TERM

Borrowers who want to pay off their mortgage quickly and minimize interest costs.
  • Shorter loan term and faster equity buildup.
  • Lower interest rates compared to longer-term loans.
  • Suitable for those with higher income levels and long-term financial stability.

Adjustable Rate Mortgage (ARM)

LOAN TERM

Borrowers who plan to sell or refinance before the initial fixed-rate period ends.
  • Lower initial interest rates compared to fixed-rate mortgages.
  • Ideal for short-term homeowners or those anticipating income increases in the near future.

Conventional Loans

LOAN TYPE

Borrowers with good credit and a steady income, and those who can make a down payment.
  • Flexible loan terms.
  • Competitive interest rates.
  • Various down payment options.

FHA Loans

LOAN TYPE

First-time homebuyers or those with lower credit scores and limited down payment funds.
  • Lower credit score requirements.
  • Lower down payment options.
  • More lenient qualification criteria.

VA Loans

LOAN TYPE

Eligible active-duty military personnel, veterans, and their spouses.
  • No down payment requirement.
  • Lower interest rates.
  • No private mortgage insurance (PMI) requirement.
  • Additional VA benefits and assistance.

USDA Loans

LOAN TYPE

Borrowers looking to purchase homes in eligible rural and suburban areas.
  • No down payment requirement.
  • Competitive interest rates.
  • Affordable housing options in rural communities.

Jumbo Loans

LOAN TYPE

Borrowers seeking to finance higher-priced properties.
  • Financing options for loan amounts that exceed the conforming loan limits.
  • Flexible down payment options.
  • Competitive interest rates.

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LOAN OPTIONS

30-Year Fixed

25-Year-Fixed

15-Year-Fixed

Adjustable Rate Mortgage

Conventional

VA Loans

USDA Loans

Jumbo Loans

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3005 Silver Creek Rd STE 210-214, San Jose, CA 95121

(408) 532-1278

mortgage@pacificwide.com

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