RyanStoll.com offers a wide variety of mortgage programs, all of which are customized to each borrower's unique needs and qualifications:

FHA
FHA loans are designed to make housing more affordable, particularly for first-time homebuyers. Fixed or adjustable-rate loans insured by the U.S. Department of Housing and Urban Development.

VA
Fixed-rate loans guaranteed by the U.S. Department of Veterans Affairs. They are designed to make housing affordable for eligible U.S. veterans.

Conventional
They are not subject to the restrictions of government housing programs, such as loan size limits. Loans that are not made under any government housing program

Adjustable Rate Mortgage (ARM)
Also called a variable rate mortgage. A mortgage in which the interest rate is adjusted periodically based on an index.

Interest Only
A mortgage in which, on a monthly basis, the borrower is obligated to pay only the interest accrued on the loan.

Construction
A short-term, interim loan for financing the cost of construction. The lender makes payments to the builder at periodic intervals as the work progresses.

Home Equity
A mortgage loan which allows a borrower to obtain cash drawn against home equity.

Jumbo Loan
A Jumbo Loan is a mortgage larger than the limit set by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation.

No Cost-Refinancing
The borrower only pays for the prepaid interest, tax and insurance, and in most cases, their registration tax. That's it. We actually pay for everything else, including credit reports, flood certificates, appraisals, underwriting, processing, closing fees, title insurance, and the courier's fees. Good credit is required, and the interest is higher than the lowest available to us however, when you do the numbers, it can be the best avenue to take. Ask a loan officer to work the numbers for you.