Fixed Rate Mortgages are our specialty! Whether you are a first time home buyer or a seasoned investor, we offer Fixed Rate Mortgages with terms of 10, 15, 20, 25, and 30 years. We also offer Fixed Rate/ARM Hybrids. These are fixed for a 3, 5, 7, or 10 year period at a lower rate than a normal fixed rate mortgage, however, they convert to an ARM (Adjustable Rate Mortgage) after the initial term (3, 5, 7, or 10 years) and remain an ARM for the remaining life of the loan. If you a first time home buyer or are refinancing for a short period of time (10 years or less), it may be more advantageous to choose a Fixed Rate/ARM Hybrid mortgage. This is because they are priced at a much lower rate than the traditional 30 or 15 year fixed rate mortgage. The shorter the initial term (3, 5, 7, or 10 years) the lower the interest rate. If, for example, you only plan on being in the new mortgage for 5 or less years, you may want to choose a 5/1 Hybrid ARM. It will give a much better interest rate than a 7 or 10 year Fixed Rate/ARM Hybrid. Give us a call and we can go over the alternatives and match them to your own personal circumstance.

Please contact us at: barrybraverman63@gmail.com or nuequitiez@aol.com

Barry J. Braverman NMLS #337281              (831) 428-5626

E. Denis Roden NMLS #398056                     (303) 718-3475