What Are My Mortgage Options

When you’re buying a home, you’ll probably need to take out a mortgage. That means you need to understand the types of mortgage loans available to you. It’s always best to know what all of your options are so that you can make the best decisions.

If you’re like most people, you’re wondering, “What are my mortgage options?” That’s completely normal, especially if this is your first home.

Your Mortgage Options

Mortgages come in many different varieties, which is good—you have the ability to make a choice that works for you not just now, but long into the future.

Terms:You can choose how long it will take you to pay for your home. Most people have a term of 30 years, but mortgages are available in 15-year and 20-year terms, as well.

Typically, shorter loans come with lower interest rates. You’ll pay less over the life of the loan than you would with a longer loan, but you must pay it all back faster; that means your monthly payments will probably be a good deal higher than they would if you spread it out over a longer term.

Types: In addition to choosing the terms of your mortgage, you can choose which loan type is right for you. Your options include fixed-rate, adjustable-rate and interest-only mortgages.

Different lenders offer different loan packages, as well. Some people qualify for loans under a variety of programs, such as VA loans, FHA loans and more. Your lender can tell you more about what may be right for you.

Ready to Look at Dave Roberts Homes?

Before you jump ahead to getting a mortgage, it’s a good idea to see all of the Dave Roberts homes for sale. Who better to walk you through the process than an expert?

Call me at 707-869-1884 or contact me online. I’ll be happy to show you the spectacular array of homes in Dave Roberts and help find the one that’s perfect for you.


Mortgage Basics

Types of Mortgage Loan


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