Refinance – Best Mortgage Broker | Avalon Mortgage Group

SIMPLE. TRANSPARENT. SECURE

Building a Brighter Financial Future

Buying a home? Consolidating debt? Paying for a large expense like home improvement project or special occasion? We’ve got you covered.

Our Loan Programs

Finding a program that aligns with your long-term and short-term goals is important. We will meticulously evaluate multiple financing options to help find the most suitable solution for you and your family. Check out some of our programs below.

30 Year Fixed

A 30-Year Fixed Mortgage offers a stable interest rate and predictable monthly payments over 30 years, making it the most popular choice for homebuyers and those refinancing. It provides lower monthly payments compared to shorter-term loans, offering long-term financial stability and affordability. This option is ideal for buyers planning to stay in their homes for the long term.

15 Year Fixed

A 15-Year Fixed Mortgage offers a stable interest rate and allows homeowners to pay off their loan faster, building equity more quickly. With lower overall interest costs and a shorter loan term, this option is ideal for those who can afford higher monthly payments and want to own their home sooner.

Adjustable Rate

An Adjustable Rate Mortgage (ARM) offers a lower fixed interest rate for an initial period, followed by periodic rate adjustments. It provides lower initial payments and flexibility, making it ideal for buyers who plan to sell or refinance before the rate adjusts. This option works well for those seeking short-term affordability and flexibility in their loan structure.

FHA loans

FHA Loans offer a low down payment and flexible credit requirements, making them ideal for both homebuyers and homeowners looking to refinance. Backed by the Federal Housing Administration, these loans provide affordable options for those seeking to purchase a home or refinance with easier qualification terms.

VA Loans

VA Loans offer no down payment, no private mortgage insurance, and competitive interest rates, making them an excellent choice for veterans, active-duty service members, and their families. Backed by the U.S. Department of Veterans Affairs, VA loans provide flexible qualification terms for both home purchases and refinances.

Jumbo Loans

Jumbo Loans are mortgage options for homes that exceed the conventional loan limits set by Fannie Mae and Freddie Mac. They are designed for high-value properties and typically require a larger down payment, higher credit scores, and more stringent qualification criteria. Jumbo loans offer competitive rates and can be used for primary residences, vacation homes and investment properties, making them ideal for buyers looking to finance luxury or high-priced homes.

USDA Loans

USDA Loans are government-backed mortgages designed to help low- to moderate-income buyers purchase homes in eligible rural and suburban areas. They offer no down payment, competitive interest rates, and flexible credit requirements. USDA loans are an affordable option for buyers looking to achieve homeownership in designated rural communities.

Bank Statement Loans
(Self employed clients)

Bank Statement Loans are designed for self-employed individuals or those with non-traditional income sources who may not have the typical documentation required for a conventional mortgage. Instead of using tax returns or W-2s, these loans allow borrowers to qualify based on their bank statement deposits. They offer flexibility for entrepreneurs and freelancers to secure a mortgage using their actual cash flow rather than standard income verification methods