Jim Martin is committed to offering innovative and flexible loan options to meet the needs of its customers. With one of the largest selections of loan products in the industry, Jim Martin has helped bring the American Dream of home ownership to many families like yours. I’d be pleased to review your loan options in person. Give me a call at your convenience.

Fixed and Adjustable Rate Mortgages

Fixed rate loans
If you prefer the stability of a fixed payment over the life of the loan, we offer fixed rate loans with a wide variety of terms, including a 15, 20, 30 and the new 40-year term.

Fixed Period ARM (Adjustable Rate Mortgage, 3/1, 5/1, 7/1 or 10/1)
A Fixed Period ARM offers buyers a lower starting interest rate with the stability of a fixed rate for the specific fixed period selected. The interest rate and monthly payment adjusts every six or 12 months after the fixed period, depending on the loan program selected.

Interest-Only Loans
Interest only options appear in various loan programs, fixed, fixed-period ARM, etc. Borrowers can make interest-only payments for a limited period with the option to pay higher amounts to pay down the principal,. An interest-only loan offers qualified borrowers more purchasing power or the ability to have more available cash in pocket each month during the interest-only period. (After the completion of the interest-only period, borrowers will be required to pay principal + interest, which may result in a significantly higher monthly payment.)

Low- to no-down payment loans

FHA/VA
With little to no down payment, no cash reserves, and more flexible qualifying criteria, an FHA or VA loan can offer benefits to help qualified borrowers into the home of their dreams.

Low Documentation
Jim Martin offers several low documentation programs for qualified borrowers with excellent credit.

Fast and Easy
Streamlines the application process and eliminates most of the typical paperwork.

Additional home financing solutions

Second Homes / Investment Homes
A variety of affordable ways that may make buying a second home or investment property possible, including fixed and adjustable rate mortgages and reduced documentation.

Home Equity Line of Credit (HELOC)
Qualified borrowers can access the available equity in their home with a Home Equity Line of Credit - a line of credit with an interest-only payment option for either the first five or ten years. State restrictions apply.