Loan Program
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Conventional Loan
The most common type of loans, these loans can consist of a fixed rate which includes the monthly interest and base payment in the same amount for the entire life of the loan or an adjustable rate mortgage (ARM). Common duration of loans are 15 YR / 30 YR but are not limited to.
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FHA / USDA / VA Loans
FHA home loans are mortgages which are backed by the Federal Housing Administration, allowing you to get lower mortgage rates than conventional loans with a minimal down payment. However these have more pre-requisites and are in turn a little more complex to come by. USDA Home Loans, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered to rural property owners by the United States Department of Agriculture. VA Loans are loans backed by the Department of Veteran Affairs which offer amazing benefits, such as no down payment and low interest rates. These loans were created to help veterans realize the American Dream of home ownership.
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ITIN or Tax ID Loans
ITIN Loans exist for undocumented residents of Texas’s major metropolitan areas, fully underwritten and with all benefits of a traditional home loan. Interest Rates are higher to reflect the risk, but otherwise similar in many ways. Can be fixed or an adjustable rate mortgage, depending on the lender, borrower and program.
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Foreign National Loans
So, a question we get a lot is if I am a citizen of a foreign nation can I still buy property in the United States of America? The answer is yes, if you are a citizen from another nation you can still not only buy a property in the USA but can even qualify for what is known as a foreign national loan. These mortgage loans are aimed for non US residents looking to purchase a second home, vacation home or even an investment property in the USA. Interest rates are higher than most other US programs available to residents but on average are lower than most foreign and international interest rate benchmarks. You will still need to provide accurate documentation to qualify for the loan..
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Fixed Rate
Whether you find yourself buying your first home, second home or anything in between. When looking to purchase a residential property their exists a few things you should have in mind.
Adjustable Rate Mortgage (ARM)
Adjustable-rate mortgages are home loans that include usually two terms. A shorter period of time with fixed rates and payments, before hitting the adjustable mortgage rate period where the mortgage rate tends to increase as do payments. Be sure to talk these through with a mortgage professional so they can explain the details and timeline.
Loan Program
Conventional 30 Year
Conventional 15 Year
FHA / USDA / VA 30 Year
FHA / USDA / VA 15 Year
ITIN – 30 Year FIXED
Foreign National – 5 Year ARM
Interest Rate
5.50%*
4.75%*
5.25%*
4.50%*
6.99%*
5.75%*
*Restrictions & Changes May Apply

The information contained in this website is for general information purposes only. The information is provided by RMG Mortgage and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.
The information contained in this website is for general information purposes only. The information is provided by RMG Mortgage and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.