Loan Options
Explore our diverse loan options to find the perfect fit for your home financing needs.
Your Gateway to the Best Mortgage Options
Welcome to InFokus Mortgage, where we offer a comprehensive range of mortgage solutions tailored to meet your unique needs. Whether you're a first-time homebuyer, a seasoned homeowner, or looking to refinance, our extensive network of top lenders ensures you get the best rates and terms available.
Explore our diverse mortgage options below to find the perfect fit for your financial goals.
Quick Quote
30-Year Fixed Mortgage
Stability and Predictability
Our 30-year fixed mortgage offers a consistent monthly payment and a fixed interest rate for the life of the loan. This option is ideal for buyers planning to stay in their home long-term and who value payment stability.
Benefits
Fixed interest rate
Predictable monthly payments
Longer term, lower monthly payments
15-Year Fixed Mortgage
Faster Payoff, Lower Interest
For those looking to pay off their mortgage sooner, the 15-year fixed mortgage offers a fixed interest rate with higher monthly payments but lower total interest paid over the life of the loan.
Benefits
Fixed interest rate
Pay off your mortgage in half the time
Lower total interest cost
Adjustable Rate Mortgage (ARM)
Flexibility with Lower Initial Rates
An adjustable rate mortgage starts with a lower fixed interest rate for an initial period, then adjusts periodically based on market conditions. ARMs are great for buyers planning to move or refinance before the adjustment period.
Benefits
Lower initial interest rates
Potential savings if rates decrease
Flexibility for short-term homeowners
FHA Loans
Accessible and Affordable
FHA loans are designed for buyers with less-than-perfect credit or limited down payment funds. Backed by the Federal Housing Administration, these loans offer more flexible qualification requirements and lower down payments.
Benefits
Lower credit score requirements
Low down payment options
Flexible qualifying guidelines
VA Loans
Exclusive Benefits for Veterans
Available to veterans, active-duty service members, and eligible family members, VA loans offer excellent benefits such as no down payment and no private mortgage insurance (PMI), making homeownership more accessible for those who serve our country.
Benefits
No down payment
No PMI
Competitive interest rates
Jumbo Loans
Financing for Luxury Properties
For buyers looking to purchase high-value homes, our jumbo loans offer competitive rates and flexible terms for larger loan amounts that exceed the conforming loan limits set by Fannie Mae and Freddie Mac.
Benefits
Financing for high-value properties
Competitive rates
Flexible terms
Reverse Mortgage (HECM Mortgages)
Unlock Your Home’s Equity
y A Home Equity Conversion Mortgage (HECM), commonly known as a reverse mortgage, is designed for homeowners aged 62 and older. This loan allows you to convert part of your home’s equity into cash, providing financial flexibility in retirement.
Benefits
No monthly mortgage payments
Supplement retirement income
Retain home ownership
Why Refinance with InFokus Mortgage?
Expert Guidance
Our team of mortgage professionals is dedicated to helping you find the right mortgage option for your unique financial situation. We provide personalized advice and support throughout the entire process.
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Top Lenders
We partner with several of the nation’s leading lenders to offer you a variety of mortgage products with competitive rates and terms.
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Low Fees
Transparency and affordability are our priorities. We keep our fees low and clear, ensuring you get the best deal possible without hidden costs.
Get Started Today
Ready to explore your mortgage options?
Contact InFokus Mortgage today to schedule your free consultation. Let us help you find the perfect mortgage solution tailored to your needs.
Phone: 720-441-8481
Email: shane@infokusmortgage.com