The Brian Church Group
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DIRECT 732-449-0671    FAX 1-888-422-0218
The Many Ways to Finance Your Home

Types of Financing

Finding and qualifying for the right type of loan is an important part of the home buying process. We 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 real estate Home Loan Request Form

If you’d like to receive more information about loan programs available in Monmouth and Ocean Counties, please fill out the following form or contact us today. We will provide a selection of Residential and/or Commercial Financing sources for you to choose from.

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Gloria Nilson & Co. Real Estate
1101 Third Avenue • Spring Lake, NJ 07762
DIRECT 732-449-0671 • FAX 1-888-422-0218
TEXT 732-859-8541
OFFICE 732-449-3200