• 619.818.1318
  • 619.818.1318
Apply
Apply
Mortgage Brokers have relationships with many different lenders. They can save you time and money by looking for the best available deals for someone with your financial profile.”

Loan Programs

WHICH MORTGAGE IS RIGHT FOR YOU?

There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs

Mortgage Rate Options

Fixed Rate

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

Learn More

Adjustable ARM

Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-i...

Learn More

Interest Only

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

Learn More

Graduated Payments

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...

Learn More

Loan Program Options

FHA Home Loan

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
Learn More

VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...
Learn More

Conventional Loans

If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.
Learn More

Jumbo Loans

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in..
Learn More
Mortgage Brokers have relationships with many different lenders. They can save you time and money by looking for the best available deals for someone with your financial profile.”

Loan Programs

WHICH MORTGAGE IS RIGHT FOR YOU?

There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs

Mortgage Brokers have relationships with many different lenders. They can save you time and money by looking for the best available deals for someone with your financial profile.”

Mortgage Rate Options

Fixed Rate

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

Learn More

Adjustable ARM

Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-i...

Learn More

Interest Only

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

Learn More

Graduated Payments

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...

Learn More

Loan Program Options

FHA Home Loan

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
Learn More

VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...
Learn More

Conventional Loans

If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.
Learn More

Jumbo Loans

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in..
Learn More

Quick Links

Contact info

Copyright © 2021 INGENUITY REALTY. All Rights Reserved .

This licensee is performing acts for which a real estate license is required. Stephanie Anne Smith & Ingenuity Realty is licensed by the California Department of Real Estate, Broker # 01243028; Company NMLS # 2170220, Individual MLS # 2017165. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when the lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. Stephanie Anne Smith is an Equal Opportunity Mortgage and Real Estate Broker.

All data is reliable but is not guaranteed accurate by Ingenuity Realty and Mortgage, Stephanie Anne Smith. All material presented herein is intended for information purposes only. While, this information is believed to be correct, it is represented subject to errors, omissions, changes or withdrawal without notice. All property information, including but not limited to square footage, room county number of bedrooms and the school district in property listings are deemed reliable, but should be verified by your own attorney, architect or zoning expert.

Picture2
3

Quick Links

Contact info

Copyright © 2021 INGENUITY REALTY. All Rights Reserved .

This licensee is performing acts for which a real estate license is required. Stephanie Anne Smith & Ingenuity Realty is licensed by the California Department of Real Estate, Broker # 01243028; Company NMLS # 2170220, Individual MLS # 2017165. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when the lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. Stephanie Anne Smith is an Equal Opportunity Mortgage and Real Estate Broker.
All data is reliable but is not guaranteed accurate by Ingenuity Realty and Mortgage, Stephanie Anne Smith. All material presented herein is intended for information purposes only. While, this information is believed to be correct, it is represented subject to errors, omissions, changes or withdrawal without notice. All property information, including but not limited to square footage, room county number of bedrooms and the school district in property listings are deemed reliable, but should be verified by your own attorney, architect or zoning expert.

3
Picture2

Quick Links

Contact info

Copyright © 2021 INGENUITY REALTY. All Rights Reserved .

This licensee is performing acts for which a real estate license is required. Stephanie Anne Smith & Ingenuity Realty is licensed by the California Department of Real Estate, Broker # 01243028; Company NMLS # 2170220, Individual MLS # 2017165. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when the lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. Stephanie Anne Smith is an Equal Opportunity Mortgage and Real Estate Broker.

All data is reliable but is not guaranteed accurate by Ingenuity Realty and Mortgage, Stephanie Anne Smith. All material presented herein is intended for information purposes only. While, this information is believed to be correct, it is represented subject to errors, omissions, changes or withdrawal without notice. All property information, including but not limited to square footage, room county number of bedrooms and the school district in property listings are deemed reliable, but should be verified by your own attorney, architect or zoning expert.

Picture2
3