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Mortgage Options & Programs

Mortgage Options and Programs

Fixed-rate vs. Adjustable-Rate Mortgages

Fixed rate mortgages are desirable when rates are low or if they're expected to climb in the future. That's when you want to lock in a fixed rate. Adjustable rate mortgages start off at rates lower than the fixed market. Then over a few years they increase to market level. If you need a lower rate to qualify for a mortgage and you expect your income to grow, the adjustable rate might be just the ticket.

30-Year vs. 15-Year Mortgages

A 15 year mortgage will save you thousands of dollars in interest, but the trade off is much higher monthly payments. There are also tax implications.

No-Income Check Loans

If you are self employed and your income fluctuates, than a No-Income Check mortgage might be right for you. The rate will be higher but you'll be able to get the house you desire.

Ask Us About:
        1st Time Buyer Programs 
        Blemished Credit 
        Land Loans 
        PMI Options 
        Construction Loans 
        Jumbo Loans 
        Bridge Loans 
        Home Equity Loan/Lines 
And much more...

  Americana Mortgage Group
NMLS# 22338
1615 Northern Boulevard, Suite 404
Manhasset, NY 11030
Phone (888) 262-6685
Fax (516) 627-0229

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