Whether you are a first-time home buyer or a longtime homeowner,

when you are buying or refinancing, you need a reliable partner. You can feel confident with BrightPath Mortgage in your corner.

Conventional fixed rate mortgages have a consistent interest rate

for their entire term, so your payments remain the same for the life of your loan. A fixed rate mortgage may be right for you, if you prefer to budget a specific payment amount into your monthly expenses.

Allows for easy budgeting and long-term planning
If interest rates are low, allows you to lock in favorable rates for the long term
Provides predictable financing for investment properties
Includes jumbo loan financing options

Adjustable rate mortgages (ARM) offer lower initial interest rates.

After a specified period, these rates adjust annually to a new rate. An ARM may be right for you if you want increased buying power or expect to move or see an increase in income before your mortgage adjusts.

Offers lower intial payments
May allow for a larger loan amount
Protects you with annual and lifetime rate caps
May be convertable to a fixed rate loan or may be fully assumable. Restrictions and qualification requirements apply

BrightPath Mortgage offers a variety of programs

to help first-time home buyers and buyers with limited credit or income to realize their dream of homeownership. Federal Housing Administration (FHA) loans are offered in conjunction with the U.S. Government to help home buyers overcome many of the obstacles to owning their own homes. Your BrightPath Mortgage Professional will help you determine which loan is best for you.
FHA Streamline: In an FHA loan now? Get the easiest possible refinance with FHA Streamline. You may not even need an appraisal!

Low down payment options
Alternative credit histories accepted
Closing costs/Down payment funding in the form of gifts or grants
Non-occupying co-borrowers are allowed
no cash reserves needed
Loan may be fully assumable depending on loan program

Veteran's Administration (VA) loans are available to qualified veterans,

active duty, reserves and National Guard personnel. Loans are residential mortgages, allowing for the purchase or refinance of an owner-occupied home. BrightPath Mortgage offers a variety of payment terms for VA loans.

Provide low of no down payment options
Allows for limited income and credit history
Offers fixed and adjustable rate loans