The OC Riviera Group
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Different Types of Real Estate Home Loans

Getting the right type of real estate home loan is an important part of the home buying process. In this section of my web site I have put together some basic information regarding the types of real estate home loans that are common in the market today.

Fixed-rate mortgages Fixed rate mortgages are mortgages where the interest rate stays the same for the entire term of the loan. The advantage to a fixed rate mortgage is that if you lock a relatively low rate, your payment won’t go up when rates do.

Adjustable-Rate Mortgages With an adjustable rate mortgage, the rate of the loan can change throughout the term of the loan. The rate of the loan is based on adding points to a fixed base.

Hybrid loans A hybrid loan combines a fixed period along with an adjustable component. Usually these loans are fixed for a period of time and then the loan becomes adjustable where it is dependant on current rates.

FHA real estate home loans An FHA loan is a loan in the United States that is insured by the Federal Housing Administration.

VA real estate home loans A VA loan is a loan in the United States guaranteed by the Veterans Administration. The loan may be issued by qualified lenders. The VA was designed to offer long-term financing to American Veterans or to their surviving spouses.

The free coastal Orange County real estate Home Loan Information Request Form

If you’d like to receive more information about more specific loan programs for homes for sale in Laguna Beach, Laguna Niguel, Dana Point, Monarch Beach, San Clemente, San Juan Capistrano and surrounding South Orange County, CA coastal areas, then please fill out the following form below or contact us today.

Coastal Orange County Real Estate and Distinctive Homes

The OC Riviera Group
Monarch Beach, CA 92629
949-842-9304
ocrivieragroup@yahoo.com

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of real estate in Laguna Beach, Monarch Beach, Dana Point, Laguna Niguel and other South Orange County coastal homes for sale

 
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