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Choosing a Loan Program

There isn't a single or simple answer to this question. The right type of mortgage for you depends on many different factors:

  • Your current financial picture
  • How you expect your finances to change
  • How long you intend to keep your house
  • How comfortable you are with your mortgage payment changing

For example, a 15-year fixed rate mortgage can save you many thousands of dollars in interest payments over the life of the loan, but your monthly payments will be higher. An adjustable rate mortgage may get you started with a lower monthly payment than a fixed rate mortgage, but your payments could get higher when the interest rate changes.

The best way to find the "right" answer is to discuss your finances, your plans and financial prospects, and your preferences frankly with a mortgage professional.


I just wanted to write you a note to let you know about the recent experience I had working with Eunice Depina, as the loan originator for the re-finance of my home. From our initial phone call, Eunice was extremely professional and provided me with information in a timely manner. Our re-finance was one that had a few "bumps" along the way as your bank had helped me through a very difficult time with a loan modification. As a result, getting the re-finance, with a good rate and reasonable monthly payments was a challenge. Eunice went above and beyond helping me through this process. Additionally, she was always accessible--even if she was away from her desk or at a meeting, she always let me know when she would be available and was always available exactly when she said she would be! I can't tell you what a pleasure it was working with her; she truly offers a personal face to a nuts and bolts process, gives undivided attention, and exhibits the kind of care and concern you would expect from someone you had known for a long time--and I had never talked to her before our initial phone call! It is so rare these days to experience this level of customer service and personal attention and I commend your bank for hiring employees such as Eunice. - Denise
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