Rock Rates offers a diverse range of loan programs to cater to the needs of various borrowers. Our loan programs include:

1. Fixed-Rate Mortgage: This program provides stability with a fixed interest rate throughout the loan term, typically ranging from 15 to 30 years.

2. Adjustable-Rate Mortgage (ARM): With an ARM, the interest rate is initially lower and may change over time, offering flexibility for borrowers planning shorter-term ownership or anticipating interest rate reductions.

3. Jumbo Loans: Designed for high-value properties exceeding conventional loan limits, jumbo loans accommodate larger financings required for luxury homes or unique investment opportunities.

4. Federal Housing Administration (FHA) Loans: This government-backed program assists first-time homebuyers and individuals with lower credit scores by offering low down payment options and flexible qualification requirements.

5. Veterans Affairs (VA) Loans: Exclusive to military veterans and active-duty service members, VA loans provide favorable terms, including zero down payment requirements and competitive interest rates.

6. Home Equity Line of Credit (HELOC): Utilize your home's equity through a revolving line of credit, enabling you to borrow as needed for expenses such as renovations, education, or debt consolidation.

7. Construction Loans: If you're building a new home or undertaking significant renovations, our construction loans provide financing during the construction process and can be converted to a permanent mortgage once the project is complete.

8. Investment Property Loans: Tailored for real estate investors, this program helps finance the acquisition or refinancing of residential rental properties, allowing investors to grow their portfolio.

9. Reverse Mortgages: Seniors aged 62 and older can tap into their home equity without selling their property, receiving loan proceeds as a lump sum, line of credit, or monthly payments to supplement retirement income.

10. Bridge Loans: When transitioning between homes, bridge loans offer short-term financing to bridge the gap between the sale of your current home and the purchase of a new one.

Note: The loan programs and their specific terms are subject to change based on market conditions and borrower qualifications. Please consult with our experienced loan officers for detailed information and personalized recommendations tailored to your needs.