We offer you a wealth of loan programs tailored to your individual needs.

To find out more, you can apply now or request a consultation.

Conventional Loans

Our conventional loan options include both fixed-rate and adjustable-rate mortgages.
 

Fixed-Rate
 

• Interest rate stays the same over the life of the mortgage
   
• Makes budgeting easier and more predictable
   
• Terms are available from 10 to 30 years
   

Adjustable Rate
 

• Initial rate is often lower than a traditional fixed-rate mortgage
   
• After the initial period, the interest rate fluctuates over the life of the mortgage, depending on prevailing rates

Government Loans

At Saratoga Mortgage we partner with OwnersChoice Funding, Inc. to offer FHA, USDA and VA mortgage loans. Contact us for more information.

 

FHA

• Flexible down payment options

• Excellent option for first time homebuyers

VA

• For Veterans and their spouses 

• Flexible underwriting 

USDA

• Exclusive to low to moderate income homebuyers

• Flexible financing for properties located in a designated rural area