Loan Products

Mortgage Loan Options

Mortgage Loan Options

There are several different loan options available.  Here is a brief scenario of each option. 30 YEAR FIXED RATE MORTGAGE The 30 year fixed rate mortgage is one of the most popular and secure home loan options available, especially if you want your monthly payments to...

read more
VA Financing

VA Financing

VA loans allow us to take care of our own.  Is your credit not so great? No problem! VA makes it possible for a borrower with a 560 credit score to qualify.  The VA loan offers many benefits and we highlighted some of them below. Highlights No down payment Up to 100%...

read more
Conventional – Home Ready Loans

Conventional – Home Ready Loans

With HomeReady, creditworthy low to moderate-income borrowers can now get the financing they need to purchase their home.  Home Ready loans typically offer the benefits of lower interest rates and a lower mortgage insurance rate.  And the best part is, you do not have...

read more
How an Adjustable Rate Mortgage (ARM) works

How an Adjustable Rate Mortgage (ARM) works

Adjustable rate mortgages (ARM) can be intimidating for a borrower to think about when they are going through the mortgage process.  An ARM has its benefits and risks.  I always tell my clients, if you don't like gambling, don't go with the ARM. ARMs have changed over...

read more
USDA Summary: Rural Housing Guaranteed Loan

USDA Summary: Rural Housing Guaranteed Loan

The Guaranteed Rural Housing Loan Program is offered through the Rural Housing Service (RHS), an agency of the USDA. The program is designed to help low-to-moderate income families achieve homeownership in eligible rural areas.  To see eligible areas click here.  ...

read more

All loans are subject to credit and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply. Whitecap Mortgage LLC, 210 S. Mill Rd., Ste. 104, Kennett Square, PA 19348. Phone 484-222-2620. Corporate NMLS#1847550 (nmlsconsumeraccess.com). Licensed by the Pennsylvania Department of Banking and Securities, Delaware State Banking Commission, and Maryland Department of Labor.