Types of Loans

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Fixed-rate loans, mortgages, Silver Fin Capital, mortgages made simple

Fixed-Rate Loans

This is the most common and most traditional mortgage. Your interest rate and monthly payment stay the same for 10, 15, 20, 25 or 30 years. Typically, rates are slightly higher based on the long-term security of a fixed rate and term.

Adjustable-rate loans and mortgages, Silver Fin Capital mortgage brokers

Adjustable-Rate Loans

Offering lower initial payments than a fixed-rate loan, adjustable rate mortgages have a 30 year amortization and have an interest rate that changes after the initial fixed-rate period. The initial term could be 3, 5, 7 or 10 years. At the end of that term, your payment could adjust up or down.

Jumbo loans, Silver Fin Capital, rated #1 nationwide by LendingTree

Jumbo Loans

These are larger loans that exceed the conforming loan amount as determined by the county in which you live.

FHA Loans

Federal Housing Administration government-backed loans require a minimum of 3.5% down payment. 100% of your down payment can be gifted to you by a relative or family member.

FHA loans and mortgages, Silver Fin Capital, U.S. Department of Housing and Urban Development
Veterans Administration Loans, mortgages, Silver Fin Capital

VA Loans

These federally insured Veterans Administration loans give veterans access to special mortgage rates and programs, including low (or no) down payment.

Reverse mortgages, Silver Fin Capital

Reverse Mortgages

A reverse mortgage allows homeowners 62 and over the opportunity to convert some of your home’s equity into income. While you are still required to pay your real estate taxes and homeowners insurance, you are not required to make a monthly mortgage payment. This loan pays you a monthly amount, lump sum, or provides a line of credit you can tap into at a later time. These materials are not from HUD or FHA and were not approved by HUD or a government agency.

Interest Only Loans

Interest only loans offer the option of paying just interest (no principal) for an initial fixed period of time.  You can always pay as much principal as you would like.

Interest Only Loans, mortgages, Silver Fin Capital

Home Equity or Home Improvement Loans

These loans allow you to use some of the equity from your home to remodel, add on, make upgrades, or consolidate higher-interest debt. In many cases, you can also take out cash for other expenses.

Home Equity or Home Improvement Loans, mortgages, Silver Fin Capital, remodeling plans

Note: These materials are not from HUD or FHA and were not approved by HUD or a government agency.

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Silver Fin Capital Group LLC

185 Great Neck Road, Suite 304

Great Neck, New York 11021

NMLS ID: 12147

  Call 888-758-7346 or 516-466-2930

Serving Connecticut, Florida, New Jersey and New York

The material on this site is not from HUD or FHA and has not
been approved by HUD or any government agency.

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