Welcome To Home Loans


Whether you are buying a home, refinancing, investing in real estate properties we can help you!

At Home Loans On Demand we understand that there is no one size fits all solution to home financing.

Our experienced mortgage experts will work with you to find the best types of mortgages for your individual needs.

Home Loans On Demand offers many competitive loan programs and options, including:

  • Fixed and Adjustable Rates
  • FHA, VA, and USDA Loans
  • Jumbo and Conforming Loans
  • Conventional Financing
  • Down Payment Assistance Programs
  • 1% Conventional Equity Boost Program


Fixed-rate home loans are the most common type of home loan in the mortgage industry. This option is low-risk and gives you predictable monthly principle and interest (P&I) payments for the next 15 or 30 years, depending on which loan term you choose. Fixed-rate loans are reliable for long-term owners ready to settle in one place for a long period.


The main attraction of a 30-year fixed rate home loan is security. The terms protect you from changes in the market, while still having the flexibility to refinance during improved market conditions. The benefits of a 30 year fixed-rate home loan include:

Lower monthly payment compared to 15-year option

  • Consistent monthly payment
  • Mortgage tax interest deduction
  • Long-term security
  • Protection from future interest rate increases


The 15-year fixed rate home loan works well for people who are looking to save money in the long run, but also looking for security and simplicity. The 15-year also gives more power to move. With a shorter loan term, the monthly payment will likely be higher than a 30 year fixed-rate loan, but with a lower interest rate and a lower amount of total interest over the duration of the loan. With a higher monthly payment, equity in the house will build up sooner which means the proceeds from a house sale can be used to make a bigger down payment on a future purchase.


An adjustable rate mortgage (ARM) is ideal for borrowers who plan to move within five years. ARMs take advantage of a low “introductory” interest rate so the loan stays at the same rate typically for 5, 7 or 10 years. Once the introductory period expires, the interest rate changes with the movement of an “index” (major interest rate). Following this movement, the amount of monthly interest either increases or decreases. The advantages of ARMs include:

  • Lower starting interest rate
  • Lower starting monthly payment
  • Ability to afford more house space
  • Possible to pay less in return, in favorable market conditions



Federal Housing Authority (FHA) loans are government assured and are ideal for people with limited income or money for a down payment. These loans typically help first-time homebuyers, seniors or others with limits on what they can afford. Some benefits of FHA home loans include:

  • 5% down payment
  • Flexible income and credit requirements
  • Low closing costs


Conventional home loans are not backed by a federal agency, such as the U.S. Department of Veteran Affairs, U.S. Department of Agriculture or Federal Housing Administration. Conventional loans are idea for people with a stable job, income and good credit. Conventional home loans are more flexible in their terms and have fewer restrictions compared to government-backed products. Some benefits of conventional home loans include:

  • Low interest rate for borrowers with good credit
  • Fewer penalties and fees
  • Flexible terms (length)


Jumbo home loans are considered non-conforming mortgages. They are for purchases with a loan value above the federal standard of $417,000, although that number varies based on location. For a home with a purchase price above this limit, a jumbo loan is needed.


Veterans Affairs (VA) home loans are a great benefit to military personnel during and after their service. These loans are partly guaranteed (typically a quarter of loan value) by the U.S. Department of Veterans Affairs and offers the following advantages:

  • No down payment
  • Higher loan value
  • No private mortgage insurance
  • Limit on closing costs
  • Option for seller to pay closing costs
  • No penalty fee for early payoffs
  • Possible VA assistance if you have difficulty with payments


The United States Department of Agriculture (USDA) home loan helps borrowers with low or moderate household incomes, low credit scores or a thin credit history. The borrower must meet eligibility requirements based on income, location, property size and other factors. Eligible borrowers can receive the following benefits from their USDA government-insured loan:

  • 102% financing (loan value plus 2% loan guarantee fee)
  • 30-year fixed rate
  • Affordable interest rates
  • Self-employed income accepted
  • No limit except affordability
  • No mortgage insurance required
  • No reserves required


Most Down Payment Assistance Programs are provided to the mortgage-ready borrower through grants and deferred seconds funded by states and local governments through the Home Investment Partnerships Program administered by HUD and designed exclusively to create affordable housing for low-income households. Grants are funds that do not have to be paid back, but often have to be paid back if the borrower sells his or home within a certain period of time. Deferred Seconds, many down payment assistance programs come in the form of a second mortgage that has a low interest rate and/or deferred payments.