It seems like there are countless mortgage programs out there. The program that you choose can save you, or cost you, thousands of dollars. But don't worry. It doesn't have to be that hard to choose the program that is right for you. In reality there are only three types of mortgages:

• Fixed mortgages with unchanging interest rates and monthly payments.
• Adjustable mortgages with rates and payments that can increase or decrease depending upon the market.
• Hybrid mortgages that are a combination of fixed and adjustable.

Come in, sit down, and let's talk about your situation and see how we can help you.

Before deciding on a loan, keep these important questions in mind:

• What is my current financial situation?
• How can my situation change in the future?
• How long will I keep this house?
• Can I afford the possibility of my payments increasing?