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Mortgage Loans

Conventional Fixed & Adjustable Rate Mortgages

With a fixed-rate mortgage, lock in a rate for the entire length of your loan and your payment for principal and interest remains the same throughout the life of the loan. Shorter terms can help you build equity more quickly.


Adjustable rate mortgages typically feature an interest rate and payment that are fixed for initial period and then adjust up or down, most commonly once a year, for the rest of the loan term. The initial rate is usually lower than a fixed-rate mortgage. If rates rise, you'll be protected with annual and lifetime rate caps. 


Government Loan Options

The Federal Housing Authority (FHA) offers flexible loan programs, requiring a low down payment. With no maximum income limits, FHA loans are available to almost any homebuyer. Fixed and adjustable rates are available. 


The U. S. Department of Agriculture (USDA) offers a loan program for homebuyers in a USDA-approved rural or suburban area. It offers no down payment, flexible credit guidelines, and low rates for eligible buyers.  


The U. S. Department of Veterans Affairs offers VA Loans, with special advantages to eligible veterans, reservists, and active-duty personnel, including no down payment for qualified buyers. Fixed and adjustable rates available. 


New Construction

GRB MortgageTM offers competitive rates during construction with local inspection and draw approvals for quick draw releases. We will work with you to convert the loan to a conventional mortgage when construction is completed. 


Jumbo Mortgages

Competitive rate and term options are available for mortgages above $417,000. 


Other Loan Options

GRB MortgageTM offers mortgages for multi-family properties, second homes, and investment properties. Contact us for more details.