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Fixed Rate

Most Popular Loan Programs

A fixed rate mortgage is the most popular loan programs chosen by homeowners. If you are one of the many homeowners who desires a stable monthly interest rate and payment over the life of your loan, then a fixed rate could be the loan for you.

Adjustable Rate

Powerful Tool For Homeowners

An Adjustable Rate Mortgage, or ARM, can be a powerful tool for homeowners. An ARM is a mortgage that offers a low introductory fixed rate term, typically for 5, 7, or 10 years. After this period is over, the adjustable period follows for the remainder of the 30 year term. During this adjustment period the interest rates can adjust up or down, depending on the financial index it is attached to.

Keys on Time

A competitive market requires ultra-competitive offers – with APM’s Keys on Time program, you can present your strongest offer without a loan contingency (just an appraisal contingency). With the Keys on Time program you can better compete against cash
offers because you will have full loan approval. Our KOT program can be combined with our SecureLock program so that you have the security of a locked in interest rate even prior to making a purchase offer.

SecureLock Program – Lock your rate and secure peace of mind. Our SecureLock programs offer rate protection from rising rates combined with a full credit approval, while allowing for a float down option if rates go down. Our Keys on Time program can be combined with our SecureLock program so that you have the security of a locked in interest rate even prior to making a purchase offer.

Client Resources

Home Buyer Guide, The Loan Process, Mortgage Glossary, Loan Information & More…
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