A Whitney Mortgage Banker has the expertise to help you make decisions that are right for you, and make you feel at home in the process.

Conventional Fixed Rate Loans

		The interest rate is fixed for the life of the loan
		Most often used by homebuyers who expect long term ownership of the home
		Monthly principal and interest payments remain the same for the life of the loan
		No prepayment penalties for partial or full payment before the maturity date

Adjustable Rate Loans

		Designed for buyers who plan to keep the home for a shorter period of time
		The initial rate is typically lower than a conventional fixed rate loan
		The interest rate is fixed for the initial period of 3, 5, 7, or 10 years
		The rate adjusts annually after the initial fixed period
		Lower monthly payments during the initial period
		Interest - only payment options will create even lower initial payments

FHA and VA Loans

		Designed by the Federal Government to increase home ownership
		Low or no down payment
		Easier qualifications requirements
		Competitive interest rates

Affordable Home Programs

		Specifically designed to make it easier for first-time homebuyers and individuals or families with low-to-moderate incomes to qualify for a mortgage loan
		Lower down payment requirement
		Lower income requirement

Jumbo Loans

		Fixed or Adjustable rate program options
		Some programs accommodate loan amounts up to $3,000,000.00

One-Time Closing Construction Loans

		Streamlines the process by combining the construction loan and the permanent loan into one loan
		One loan closing saves time and money
		Gives you comfort in knowing your permanent financing is secure before you start construction
		Fixed and Adjustable Rate programs available
		Interest-only payments during construction term

Private Client Loans

		Flexible home loans for high net worth clients
		No Private Mortgage Insurance
		No insurance or tax escrows
		Flexible payment options
		Low closing costs
		We won't sell your mortgage

Reverse Mortgages

		Specifically for persons 62 years of age and older who own their homes and want to increase cash flow
		Available only in Louisiana, Mississippi, Baldwin County, Alabama and Escambia County, Florida.
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