In order to quality for a Reverse Mortgage, you must:

• Be at least 62 years old,
• Occupy the property as your primary residence,
• Pay off any existing liens at the time of settlement, and

Attend a free, informal session with a housing counselor.

For more infromation Reverse Mortgage 

These are conventional loans that conform to the limits of Fannie Mae's and Freddie Mac's loan amounts.

Fixed Rates

The most common type of mortgage program where your monthly mortgage payments for interest and principal never change.

Usually:

40 years

 30 years

20 years and

 15 years.

ARMs

A Loan program where the interest rate may adjust throughout the loan term. This adjustment is based upon terms agreed by the borrower and the lender.

Usually:

 3/1 ARM

5/1 ARM

7/1 ARM

10/1 ARM

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These are guaranteed or insured mortgage loans made under the made under the programs of Department of Veteran Affairs (VA) and the Federal Housing Administration (FHA).

These are loans made to people who are credit challenge. These people may be in or out of bankruptcy, also with judgments, liens, collections or people with just tarnished credit that cannot qualify for a conventional mortgages. This loan program allows borrowers with less-than-perfect credit to qualify for competitive interest rates to consolidate debt and lower payments or make home improvements.

Fixed Rates Mortgages:

40 years

30 years

15 years

ARM loans:

2/28

3/27

5/25

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These are loans issued for business enterprises and also includes 4+ family houses, appartment houses and commericial properties.

Whether you are looking to buy commercial real estate or you already own commercial property, the right mortgage can make a hugh difference in your bottomline.

• Down payments as little as 3%
• Flexible Rate & Term options
• Terms as long as 30 years
• Fast closing
• Unlimited cash out
• Minimum credit score 640
• Most property types considered including multifamily, retail, office, mix-use, warehouse, gas stations,automotive, moble home parks, restaurants and more.

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A loan that exceeds Fannie Mae’s and Freddie Mac’s loan limits. Also called a jumbo loan. These loans typically have higher interest rates.

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Ideal for first-time buyers, these no down-payment mortgages can help reduce or eliminate nearly every cost associated with obtaining a home loan. These programs normally combine two loans: An 80% first mortgage, and a 20% second mortgage. The interest rate is typically the weighted average of the two loans.
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If you need financing but your income is difficult to prove or document then you need a Stated Income Loan. 

Ideal for the self-employed with good credit, loans where borrowers agree to put down 25 to 30% equity in exchange for reduced documentation requirements.

This type of loan can be either Conforming or Non-Conforming. Fix Rates and ARM rates are available for this loan program.

This loan Type is available to all 1099, self-employed and even W2 wage earners It requires no Pay stubs or W2's and no Tax returns.
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Under Freddie Mac and Freddie Mae rules, the maximum conforming mortgage available is $417,000. Unless you are prepared to make a down payment large enough to reduce the loan amount to $417,000 or less. You’ll need to obtain a non-conforming mortgage, sometimes referred to as a “jumbo” mortgage (Any loan amount greater then $417,000.00).