Learn About Our Loan Options

At North America Mortgage, we offer a wide array of financing options to help you achieve the dream of homeownership. To learn more about our loan programs and which may be the best one for you, please reach out to one of our Mortgage Consultants at 1-888-211-4242.

First Time Home Buyer Programs - We offer many special programs that can help make getting a first mortgage easier than ever. We will guide you through the mortgage process, give a free mortgage affordability estimate so you know how much you can afford, and then help you select the mortgage that's right for you.   Conforming Loan Amounts as well as Jumbo Mortgages up to $2 Million or More - Whether you are seeking a conforming loan or a jumbo mortgage, you can feel confident that you will receive the highest level of service and be offered the right program to meet your needs.   Fixed Rate Mortgages - These mortgages provide you with the security of stable interest rates and monthly payments that never change. You might choose a fixed rate mortgage if you want the security of knowing that even if interest rates rise, your payments will remain the same.   Adjustable Rate Mortgages - We offer ARMs for both short and long term mortgages. ARMs offer lower initial interest rates than fixed mortgages for a specified time, and then the rates are adjusted periodically to follow the market. These loans may be ideal if you plan to stay in your home for a short time. 1-Month Option ARM (Maximum Flexibility) - Our Payment Option ARM allows you to manage your cash flow and repayment with up to four different monthly choices including: deferred interest, fully amortized, interest only or early repayment.   Interest Only Loans - Interest only mortgages do not include any repayment of the principal portion of the loan for an agreed upon period of time - called the interest only period. This means that during that time, your monthly payment will consist only of interest. Interest only mortgages can offer you lower monthly payments, increased cash flow, maximum tax deductions and the ability to qualify for larger mortgages. You might consider an interest only mortgage if you want a lower initial payment and have confidence that you can manage a payment increase in the future.   Vacation and Second Home Financing - We provide exceptional service, a broad array of products, and prompt loan decisions to make your vacation home dream a reality. Contact a Mortgage Consultant for more information.   No Down Payment Options - We have programs designed to meet the needs of borrowers with good credit and limited savings for a down payment. With our no down payment options, in many cases closing costs can be financed into the loan amount or can be paid from any combination of your own funds, an unsecured loan, gifts, grants, employee assisted housing funds or seller contribution.   Construction Financing Programs - If you are building your home, our Single Close Construction-To-Permanent Loan may be all the financing you'll need. Our single application and approval process obtains both construction and permanent financing with one combined loan and one closing.   Condos/Co-ops/PUDs - We offer a multitude of products to finance condominiums (both high rise and low rise), Planned Unit Developments (PUDs) and cooperatives (Co-ops).  Commercial Loans - We offer a variety of commercial loan programs nationwide. We specialize in no documentation loans and offer a complete menu of mortgage programs to serve the borrower's needs.