30 Year Fixed Rate Loan

The traditional 30 Year Fixed is our most popular program, maximizing your stability with a fixed rate and payment.

With all time low rates in today's current market this is a great option. The 30 Year Fixed Rate Loan is our most popular loan program. This traditional fixed rate loan features a rate and payments that won't change, no matter how much mortgage rates fluctuate. If you plan to keep the home for the next several years or more, the 30 Year Fixed loan might be the right option for you.

  • Get the security of an interest rate and payment that won't change
  • Offers more ability to gain home equity compared to other types of loans
  • Put as little down as 5%
  • Federally insured 30 Year Fixed Rate loan programs are also available
  • Fannie Mae and Freddie Mac programs for Conventional and Jumbo Loans
  • Get cash-out to payoff credit cards or high interest rate debt

15 Year Fixed Rate Loan

Save thousands in interest, enjoy a low fixed rate, and build equity quickly with a 15 Year Fixed Rate loan.

Eliminate worry about rising interest rates with a fixed rate loan, and enjoy consistent monthly payments offering easier budgeting and increased peace of mind. With a 15 Year Fixed, you'll build equity more quickly, pay off your loan sooner, and save thousands in interest, putting you in an even better financial position. This is also a great program for those looking to refinance their existing loan.

  • Maximize your ability to build equity
  • Save thousands in interest
  • Enjoy the security of an interest rate and payment that won't change
  • Put as little down as 5%
  • Fannie Mae and Freddie Mac programs for Conventional and Jumbo Loans
  • Get cash-out to payoff credit cards or high interest rate debt

Adjustable Rate Mortgage

Reduce the cost of your mortgage. If you plan on staying in your home short-term or would like to significantly lower your payment, an ARM might be right for you.

If you anticipate a significant increase in your income or property value in the next several years, plan on staying in your home short-term, or would like to significantly lower your payment, an ARM might be right for you. As the name implies, Adjustable Rate Mortgages (ARMs) have interest rates that change at a pre-determined frequency. Federally insured FHA ARMs are also available!

  • Save thousands in payments vs. a fixed rate loan during the initial period
  • Use the savings to pay down other debt or for whatever you like!
  • Get a cash-out refinance and put even more money in your pocket
  • Great option if you intend to refinance or sell your home in an expected time frame
  • Put as little as 5% down (FHA 3%), or refinance up to 95% of your home's value
  • Fannie Mae and Freddie Mac programs for Conventional and Jumbo Loans
  • Get cash-out to payoff credit cards or high interest rate debt

Lower your rate and payment today! Fill out our form or call us at (866) 571-0609.

Interest rate caps

What happens after the fixed-rate period ends? Once your loan enters its adjustable-rate period, interest rate caps are put in place. They identify the maximum amount your rate can increase, both at the end of each adjustment period, and over the life of the loan as a whole. Contact one of our government registered mortgage bankers today for details, and find the right loan for you!

The VA Loan program is the most powerful home loan program on the market for veterans and military families. These flexible, government-backed loans come with significant benefits that open the doors of homeownership to veterans who might otherwise struggle to obtain financing

Through VA's home loan and housing programs Veterans and Service members can get access to low-interest home loans or help refinancing an existing mortgage. VA home loans also can be used to buy, build, or improve a home; install energy-related features or improvements; and purchase a manufactured home and/or lot.

VA loans require no down payment or private mortgage insurance. They feature competitive rates and terms and allow qualified borrowers to purchase a home with little to no money out of pocket.

FHA Loans

Qualify with ease, and put as little as 3% down! Originally offered for first time home buyers with imperfect credit, FHA loans are now open to a wider audience.

Insured by the Federal Housing Administration (FHA), these loans are government-assisted alternatives to conventional financing, and were originally offered for first-time home buyers with imperfect credit. Now, FHA loans are open to a wider audience, and are even popular options for homeowners looking to refinance.

  • Put just 3% down
  • Easier to qualify for
  • Fixed-rate and adjustable rate loans available
  • Refinance a conventional loan into an FHA loan
  • No pre-payment penalties
  • Get cash-out to payoff credit cards or high interest rate debt

Overall, FHA loans provide more flexibility in credit, income, and equity/down payment requirements, and are great alternatives to conventional loans. They do include a Mortgage Insurance Premium (MIP), as well as monthly mortgage insurance, but FHA loans still enable many homeowners who wouldn't qualify for conventional financing to purchase or refinance a home.

Interest-Only Loans

Achieve maximum savings for the next several years. Interest-Only loans feature the lowest rate and payment available.

Do you need to lower your mortgage payment as much as possible? Or, do you have a financial plan that requires that you pay less in interest over the next few years? An interest-only loan from Assent might be perfect for you. As your home loan partner, we're here to help find the right loan for your situation.

The interest-only portion of the loan is set at a certain number of years (five or ten years, for example). During that period, your payments would consist only of the interest accrued on the borrowed amount, or principle, resulting in an extremely low payment. After that initial period, and for the remainder of the loan, the payments would include both principle and interest

The HARP program can help!

The Home Affordable Refinance Program, also known as HARP, is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009 to help underwater and near-underwater homeowners refinance their mortgages. Join the 900,000+ people who have benefited from the Home Affordable Refinance Program!

HomePath® is a Fannie Mae product designed to help sell Fannie Mae owned properties. Assent is one of less than 15 national lenders approved to offer the Fannie Mae HomePath Mortgage financing.

HomePath® has some exclusive advantages, like:

  • Low down payment and flexible mortgage terms (fixed-rate, adjustable-rate, or interest-only)
  • You may qualify even if your credit is less than perfect
  • Available to both owner occupiers and investors
  • Down payment (at least 3 percent) can be funded by your own savings; a gift; a grant; or a loan from a nonprofit organization, state or local government, or employer
  • No mortgage insurance*
  • No appraisal fees
  • Also eligible for HomePath Renovation Mortgage
  • This is the best way for first time homeowners to get into their first home.
Who is HomePath for?

Anyone – HomePath® offers very affordable homes with great financing options for all buyers – whether you're a first time buyer or seasoned investor!

Are you ready to take advantage of low rates, affordable homes and exclusive financing? Call a Assent Home Loan Expert now at (866) 571-0609 get started!

*Ask your lender for cost details on the loan. HomePath® is a registered trademark of Fannie Mae.


Assent is at the top of our industry when it comes to customer satisfaction. There is no competition when it comes to making you happy. Our complete dedication in going above and beyond the call of duty and providing outstanding service is why our clients recommend us to their family and friends. At Assent, we make your loan as easy as 1, 2, 3. Our customers find out every day that you do not have to sacrifice service for an easy and convenient process. 

You need to know you're dealing with an experienced, reputable company. Of course, we promise to make this your best loan experience ever. We'll return your calls by the end of the day. If something's not right, tell us and we'll do whatever we can to fix it. We have the tools to make your mortgage process go smoothly, and the customer service to back it up. It's all part of our 7 Simple Steps to getting a mortgage (that you won't find anywhere else).

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