Residential Loans

Considered to be the most popular mortgage payment option, fixed-rate mortgage offers payment mechanisms for the monthly principal and interest that don’t change for the loan’s whole lifetime.

FIXED RATE

MORTGAGES

(FRM)

HARP 2.0 is a loan payment option that allows homeowners to refinance their mortgages because their homes are already worth lower than what they originally owe.

HARP 2.0

What starts out as a fixed-interest rate for a defined timeline, the interest payment options get adjusted to reflect the present market status which comes to be called as the adjustable rate mortgages.

ADJUSTABLE

RATE

MORTGAGES

(ARM)

Otherwise known as fixed-period ARMs, the Hybrid ARMs are mortgage options that combine the specifications of fixed-rate and adjustable rate mortgages.

HYBRID ARMs

(3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)

The jumbo loans are loan amounts that go beyond the established limit set by Fannie Mae and Freddie Mac.  On typical occasions, jumbo loans have higher rates than what is provided by conforming loans.

JUMBO

LOANS

With insurance from the Federal Housing Administration (FHA), the FHA home loans provide a way for borrowers to acquire low mortgage rates with down payments at the minimum.

FHA LOANS

With guarantees from the Department of Veteran Affairs, the VA loans are granted to military veterans to help them realize their dream home ownership.  The benefits contained in the VA loans include low-interest rates and zero down payment.

VA LOANS

Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest of accruing on the loan, rather than the principle, for a specified period of time.

INTERESTS

ONLY

MORTGAGES

CONTACT DETAILS

1630 Oakland Road A209

San Jose, CA 95131

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Call Us:  408-256-1160

Fax:  408-228-9544

Info@goldenpointfinance.com

NMLS#236095

Licensed to originate loans in all California. Located in the Bay Area.

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