Ready to start the home-financing process?
Rates are at historic lows.
Call us at 724-538-2200 or toll free at 1-800-262-1088.
Click here for a link to our mortgage calculators. |
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Fixed Rate Mortgages
As the most popular mortgage program for homebuyers, a fixed rate mortgage offers the stability and consistency of predictable monthly payments for the life of the loan. It may be a good choice for people who expect to live in a home for an extended period of time, or who want to lock in current low interest rates. With a fixed rate mortgage, payments remain constant, allowing you to plan and budget without worrying about potential interest rate fluctuations.
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Interest Only Mortgages
This type of mortgage gives you the flexibility to manage your payments to coincide with fluctuations in your income and expenses during the first ten years. You pay interest only during the first 10 years. The principle is amortized over the last 20 years of the loan. The lower payment during the first 10 years allows you to invest the difference for tomorrow. There are no restrictions on principle reductions at any time.
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Adjustable Rate Mortgages
With a typically lower mortgage payment, Adjustable Rate Mortgages (ARMs) are an alternative to the conventional fixed rate mortgage for homeowners trying to get the most home for the lowest payment. The downside of the lower payment is a potential increase in the monthly payment over time, if interest rates rise. Therefore, ARMs are most appropriate for people who anticipate an increase in their income during the life of their loan, or who plan on moving in five to seven years.
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Construction Mortgages
A construction mortgage is used for the purchase of home building and the construction of that home by a builder or contractor(s). This type of mortgage functions more like a line of credit than a loan. Benefits include interest accruing only after disbursement and the ability to pay the loan off in entirety upon completion of the construction if the buyer prefers. |
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NexTier has the tools and assistance you need to secure a mortgage quickly and conveniently.Call for details 1.800.262.1088.
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NEXTIER INSURANCE
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NexTier Insurance offers all types of personal lines insurance, including homeowners policies and coverages inlcuding umbrella, auto, and many more.
Call 1-877-467-7767 to consult with a NexTier Insurance representative.
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