Loan Options

Our loan officers are expertly trained to handle various mortgage scenarios and to find the best solution to fit your needs and your budget. Highlands works with everything from USDA, VA, and FHA financing as well as conventional and non-conforming loan programs. We have a variety of loan products specifically tailored to suit your unique needs.

From the loan application to the closing table, you can rest assured that your loan is taken care of and that our mortgage professionals are knowledgeable every step of the way.

Refinance your mortgage to a lower rate or shorten the term of your current mortgage. Whether your goal is to remove mortgage insurance or take out equity, we have options for you to choose from.
The 30-year fixed-rate mortgage is the traditional loan option for borrowers. Due to the steady interest rate inherent to a conventional mortgage, you can look forward to consistent monthly payments.
Pay off your home twice as fast with a 15-year fixed-rate mortgage. Your rate stays the same throughout the life of the loan, giving you secure and predictable monthly mortgage payments and less interest on your loan.
FHA is a popular type of loan for the first time home buyer or a borrower with limited income and funds for a down payment. This government subsidized loan program features flexible credit restrictions and very low down payment options.
USDA loan options offer low-interest rates with flexible guidelines. Eligibility is based both on the property location and the borrower. This is a great option for low to middle-income borrowers who are interested in purchasing properties in rural areas.
This type of home loan features an interest rate that changes after a fixed amount of time. ARM’s are a great home-buying option and typically offer lower interest rates than fixed mortgages and extra protection with rate caps.
Enjoy exclusive military benefits with a VA loan. If you are a veteran or an active duty service member, a VA loan offers less restrictive credit guidelines and low down payment options for you.
Unlike a conventional mortgage, the loan balance of a reverse mortgage grows larger over time. Reverse mortgage loans require no repayment as long as your home is your principal residence and you fulfill the borrower’s obligations. If you are 65 years of age or older, a reverse mortgage loan may be the right fit for you.
Don’t think you can meet the standards of a qualified mortgage? That’s okay! Highlands offers non-traditional methods of income verification/bank statement programs to help our borrowers get approved for a home loan. You can still purchase your dream house. Let us work this alternative loan qualification option for you.

Loan Options

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