LEAN MEAN MORTGAGE MACHINE
Mortgage-made for delivering the best experience possible
Looking for the home of your dreams, and need help to purchase?
NEW PURCHASE LOAN
Getting a mortgage is about more than just rates; it’s about developing a plan for one of the biggest investments that you will make in your life. We work to match your unique credit, income and asset qualifications to the best program available to you.
Team Torrey can offer a wide variety of loan products and are dedicated to making you their main priority. We are ready to help you find the home of your dreams with the best loan for your situation.
Already found your dream home, but want to lower monthly payments?
When refinancing, it is important to understand what your unique goals are so that we can customize a loan program for you. Whether we are lowering your interest rate or putting you in a different type of loan, we will assess your needs to determine the right fit to get more money in your pocket.
We understand that sometimes in life priorities change, and that is why we develop a refinance program to meet your lifestyle.
Know you want a home, but don't know which loan works for you?
We are on the forefront of delivering the widest array of purchase money home loans; and as a direct lender of FHA, VA, USDA, Conventional, and Jumbo loans, we can prepare a loan pre-qualification that will position you to buy the home of your dreams.
Need more options? We can help! We’ve got plenty of loan options for borrowers looking for unique financing like construction home loans, disaster relief loans, down payment assistance, and more.
Servicemember looking to purchase a new home, refinance, or cash-out?
We proudly offer home financing to those who serve and have served our country. If you’re a veteran or an active duty servicemember, there’s no better mortgage product for you.
Guaranteed by the U.S. Department of Veterans Affairs, VA loans are specially designed with exclusive benefits—like flexible requirements and favorable terms—for veterans, active duty servicemembers, and eligible surviving spouses. Available programs include purchase and refinance options.
What Loan Program is Right for Me?
Grasping the mortgage process is one of the toughest and most stressful parts of buying a home, but you don’t have to be a master. There are various loan options to choose from, so keeping yourself informed and knowing the basics will get you steps closer to owning your dream home.
What Mortgage is Right for Me?
Fixed Rate Mortgage
A fixed rate mortgage is a home loan that has a fixed interest rate for the entire term of the loan. This means the mortgage carries a constant interest rate from beginning to end. Once locked-in, the interest rate does not fluctuate with market conditions. The most popular form of fixed-interest home financing is the 30-year fixed mortgage, which spreads the principal repayment over a long period of time, making even very expensive homes affordable on a monthly basis. There are other fixed rate options available as well.
Borrower is protected from sudden and potentially significant increases in monthly mortgage payments if interest rates rise
Simple and easy to understand
Vary little from lender to lender
Great for long term property holders
For borrowers who want predictability
No prepayment penalties if you refinance or sell
Nearly all government and conventional loan programs offer a fixed-rate term
Adjustable Rate Mortgage
An adjustable-rate mortgage is a home loan where the interest rate is fixed for a set period of time and then changes periodically. Because it depends on many different market factors, that change in rate may fluctuate—meaning sometimes you’ll pay more for your adjustable-rate mortgage and sometimes you’ll pay less.
Enjoy lowest possible rates during the initial fixed period
Qualify with a lower interest rates
Choose a fixed-start period of 5, 7 or 10 years
There will be flexibility, especially if you’re expecting change or to possibly sell your house in a shorter period of time