June Jolley
"Representing La Quinta's Most Exceptional Homes for over 30 Years"
Cell/Text: 760.408.0004    Fax: 760.771.9190
Real Estate Mortgage Programs

This section features mortgage program information.  In order to help you with your next home purchase, I have put together a simple review of some of the major mortgage programs.

Variable or Adjustable-Rate Real Estate Mortgage
With an adjustable rate mortgage, the rate of the loan can change throughout the term of the loan. Many ARMs have a short fixed period and then become truly adjustable. The rate of the loan is based on adding points to a fixed base.

Fixed-Rate Real Estate Mortgage
With this type of loan, the interest rate remains consistent throughout the term of the loan.

Balloon Real Estate Loan
A balloon loan is a real estate loan where there is a lump sum due at the end of the loan. This normally encourages an individual to refinance prior to the end of the term of the loan.

Jumbo Real Estate Loans
A jumbo loan is any residential or commercial loan exceeding the guidelines of Fannie Mae and Freddie Mac.

FHA Real Estate Loans
An FHA loan is a loan in the United States that is insured by the Federal Housing Administration.

VA Real Estate 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.

Please note that your information will be kept strictly confidential. If you have other real estate needs, feel free to give me a call.

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Home Smart Professionals Elite
47060 Washington St #5101 # 5101 • La Quinta, CA 92253
Cell/Text: 760.408.0004 • Fax: 760.771.9190
Dre# #00955037