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logo
  • About
  • Home Purchase
  • Refinance
  • Learn
  • Loan Programs
  • Loan Process
  • Mortgage Basics
  • Mortgage Calculators
  • Online Forms
  • FAQ
  • Blog
  • Contact Us
  • Apply Now
  • Request a Quote
  • (516) 742-6800
logo
  • About
  • Home Purchase
  • Refinance
  • Learn
    • Loan Programs
    • Loan Process
    • Mortgage Basics
    • Mortgage Calculators
    • Online Forms
    • FAQ
  • Blog
  • Contact Us
  • Apply Now
  • Request a Quote
  • APPLY NOW

What type of loan program is best for me?

The many different types of home loans available can seem overwhelming. Should you choose a fixed rate, adjustable rate or government loan mortgage? The truth is there is no right answer. Choosing a loan type is an important decision that is best made after you have researched your options. Remember, taking the time to explore your options now can mean saving thousands of dollars in the long run.

Ask yourself the following questions to determine what loan type is right for you:

  • Do you expect your financial situation to change over the next few years?
  • Do you plan to live in your current home for a long time?
  • Do you feel comfortable with the idea of a changing mortgage amount?
  • Do you want to be free of mortgage debt by the time your children go to college or you retire?

A professional lender is the best resource available to help you decide which loan best fits your needs. Follow the general guidelines outlined below to get started selecting the best mortgage for your home.

How many years do you plan to stay in your home? Plan(s) to Consider
1-3 3/1 ARM or 1-year ARM
3-5 5/1 ARM
5-7 7/1 ARM
7-10 10/1 ARM or 30-year fixed
10+ 30-year fixed or 15-year fixed

Mortgage Calculator

Our user-friendly calculator puts you in charge of estimating your mortgage payment.

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About Us

We've been helping customers afford the home of their dreams for many years and we love what we do.

Company NMLS: 69307
www.nmlsconsumeraccess.org

Contact Us

Long Island
142 Willis Avenue
Mineola, New York 11501
Phone: (516) 742-6800
info@patriotonemtg.com

Westchester
303 S. Broadway, Suite 486
Tarrytown, NY 10591
Phone: (914) 631-4080
mmscott@patriotonemtg.com



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