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Residential Services

Fixed-Rate Mortgage

A fixed-rate mortgage offers an interest rate that remains the same throughout the life of the loan. This stability makes budgeting easier, as your monthly principal and interest payments won’t change over time.

FHA Loan

FHA loans are government-insured loans that offer lower down payment requirements and more flexible qualification criteria compared to conventional loans. They are an attractive option for first-time homebuyers.

Adjustable-Rate Mortgage (ARM)

ARMs have interest rates that can change over time, typically in relation to an index. While ARMs often start with lower rates compared to fixed-rate mortgages, they can fluctuate, affecting your monthly payments.

VA Loan

VA loans are government-guaranteed mortgages for veterans, active-duty service members, and their families. They offer benefits such as no down payment and no private mortgage insurance.

Jumbo Loan

Jumbo loans are designed for buying luxury properties or homes in highly competitive local real estate markets. They exceed the conforming loan limits set by Fannie Mae and Freddie Mac and typically come with slightly higher interest rates.


USDA loans are designed for homebuyers in rural and suburban areas. Backed by the United States Department of Agriculture, they offer 100% financing, reduced mortgage insurance costs, and below-market mortgage rates.

Interest-Only Mortgage

Interest-only mortgages allow you to pay only the interest on the loan for a set period. After this period, the loan re-amortizes, and you begin paying both principal and interest, which can significantly increase the monthly payments.

Home Equity Loan

Home equity loans allow homeowners to borrow against the equity they have built up in their home. These loans can be used for home improvements, debt consolidation, or other major expenses.


Refinancing involves replacing your existing mortgage with a new loan, often with better terms or a lower interest rate. This can reduce your monthly payments, help you pay off your mortgage faster, or tap into your home’s equity.

Reverse Mortgage

Reverse mortgages are available to seniors, allowing them to convert part of the equity in their home into cash. This can be used to supplement retirement income, pay for healthcare expenses, or make home improvements.

"We understand that home is where the heart is. Our mortgage services are tailored to help you secure the right financing for your dream home"

-Michael Friedman-