Mortgage
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The Adjustable Rate Mortgage (ARM) Loan

An adjustable rate mortgage (ARM) is a loan in which the interest rate changes after a certain number of years. They typically offer lower monthly payments than fixed mortgages.

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The Conventional Loan

With a conventional loan, your monthly payments and interest rates will never change over the life of the loan, offering you the financial stability with the ever changing market and rates. This loan is the best choice for homeowners who plan to stay in their home for multiple years as the interest rate does not fluctuate.

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The FHA Loan

FHA loan is a type of mortgage insurance provided by the Federal Housing Administration (FHA), which offers to pay off the loan is the borrower defaults. Since 1935 FHA loans have made it easier for people who have a less than favorable credit rating or debt to income ratio obtain a loan.

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The FHA 203k Home Improvement Loan

American Heritage Lending makes it easier for you to take advantage of the benefits offered by the HUD/FHA 203k Home Loan Program. Through this single loan, you can purchase or refinance a home and include the cost of making repairs or improvements. Use this to help you create the home of your dreams!

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The FHA Streamline Refinance

FHA has permitted streamline refinances on insured mortgages since the early 1980's. The "streamline" refers only to the amount of documentation and underwriting that needs to be performed by the lender. American Heritage Lending can customize your FHA Streamline to provide you a “No Cost” solution.

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The Jumbo Loan

A jumbo loan is a mortgage loan that may have high credit quality, but is in an amount above conventional conforming loan limits. These limits are set by Fannie Mae and Freddie Mac, the two government-sponsored enterprises that buy mortgages from lenders.

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The Refinance Loan

A refinance loan is mortgage loan used to lower your monthly payments and interest rates or consolidate your debts.

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The Renovation Loan

This type of loan allows you to purchase property that is in need of a little TLC. The amount of the loan includes the purchase price and the renovation bundled into one loan.

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The VA Loan

A VA loan is a guaranteed mortgage loan supported by the U.S. Department of Veteran Affairs that allows veterans to obtain home mortgages without a down payment. The VA determines the eligibility and insurance for the loan, while a private lender disburses the loan.

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