Which Loan Is Right For Me?

Whether this is your first home loan or your tenth, you may be wondering which loan is right for you.  Statistically speaking, most people will choose a 30 year fixed.  It is the safest and most conservative option, however, not always the most financially savvy option. 

Everyone's situation is different.  We encourage you to explore the different loan programs and learn how each one works using the tabs on the left.  Each section will give you detailed descriptions of  each loan program so you can make an educated decision for yourself.  Information is power and we have given you all of the information you need to make an informed decision free from sales pressure.

Often a Loan Officer will have their own personal opinions of which loan they think is right for you.  They will make judgments of you and your situation and will try to talk you into either a fixed or adjustable rate based on their outlook, not yours.  Unfortunately, the program they often try to sell is based on which loan will pay the highest commission, not which one is best suited for your needs.  The links on the left contain the information you need to make your own educated decision and Close Your Own Loan. 

Click Get Started to see how much you can save and choose which loan is right for you.

Speak With A Loan Coordinator 

Would you prefer to speak with a Loan Coordinator over the telephone?  Please call us directly at   1-800-276-CYOL(2965) and choose option 1.  Or, click here to have one of our experienced representatives contact you directly.