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Loan Programs

Fixed Rate Mortgages (FRM)

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 (ARM)
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.

FHA Loans
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
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

Private Money Loans

Private money loans are also known as hard money loans and have terms based mainly on the value of the property being used as collateral, not on the creditworthiness of the borrower.

Components of an ARM
Prior to choosing a home loan, you should know the advantages and risks of adjustable-rate mortgages to make an informed, prudent decision.

Commonly Used Indexes for ARMs
This article includes a list of the most commonly used indexes by ARM lenders that affect ARM mortgage rates.

"Matt and his associates are both knowledgeable and professional when handling our client's mortgage needs. Keep up the good work!"

— John Svercek

"Great company to deal with. Matt and the team are A+. Timely, responsive and very helpful throughout the process. Would highly recommend them to anyone looking at a mortgage of any kind."

— Ryan Harter

"We had a wonderful experience dealing with Matt and his staff! We were able to purchase a beautiful creek lot across from our house and they made it so easy!"

— Jan Heard