Mortgages by Nancy Williams



This program assists approved lenders in providing low to moderate income households the opportunity to own adequate, modest, decent, safe and sanitary dwellings as their primary residence in eligible rural areas.

Veterans Affairs

A VA mortgage loan in the United States is guaranteed by the United States Department of Veterans Affairs. The program is designed for American Veterans, military members currently serving in the U.S. military, reservists and select surviving spouses. The VA does not originate loans but sets the rules for who may qualify. The VA issues … Read more

Federal Housing Administration

FHA loans have been helping people become homeowners since 1934. How do we do it? The Federal Housing Administration (FHA)-which is a part of HUD-insures the loan, so your lender can offer you a better deal. Low down payments Low closing costs Easy credit qualifying


Adjustable Mortgage Rates (ARMs) provide lower rates during an initial period (often 1-7 years) on your home loan. Interest rates on the mortgage adjust with interest rates in the marketplace (represented by a specific index). This is important because the interest rates, and your monthly payments, are periodically adjusted as the index changes. What this … Read more

Conventional Fixed Rate

Over the past several years, fixed rate mortgages have been at historical lows, making this type of loan a very popular and less complicated choice to home buyers. As the name states, the interest rates do not change for the duration of the loan, once it is locked in. Fixed rate mortgages do not have … Read more