Home Mortgages Tailored For Your Lifestyle
At Junction Realty Corporation, we have the expertise to help you choose the right loan that best fits your lifestyle. Contact our Loan Agents to get started or you can apply online by filling out the PDF form.
Click here to download the PDF
Types of Mortgages
Fixed Rate Mortgages
Fixed rate loans are ideal for homeowners that plan on staying in their home for a long period of time, with monthly payments that will not change over the life of your loan. Junction Realty Corp offers loan terms up to 30 and 40 years in a wide variety of loan solutions. Some benefits include:
- Fixed interest rate to make budgeting a breeze.
- Protection from interest rate changes.
Adjustable Rate Mortgages
If you don't expect to be in your home for 30 years, why commit to an interest rate that does? An Adjustable Rate Mortgage, or ARM, is a flexible mortgage with an interest rate tied to current market conditions. The rate of the loan changes over time, upward or downward, with the market. An ARM offers:
- Lower initial interest rates compared to fixed rate mortgages
- Interest rate changes are capped depending on loan program
- No negative amortization so your principal balance cannot increase
- A variety of loan solutions, similar to our fixed rate options
Government Mortgages
Qualifying borrowers may be eligible for Federal Housing Administration (FHA) or Veterans Administration (VA) home loans. Government loans offer many advantages including:
- Attractive rates and terms
- Low to no down payment
- Flexible credit and qualifying standards
First-Time Homebuyer Solutions
We provide flexible financing solutions to first-time homebuyers through special loan programs. We'll work with you to choose the mortgage option that best fits your needs and eligibility.
- Credit and qualifying terms are flexible
- Low down payments
- Some or all of the down payment can come from a wide range of sources, such as a gift from a family member, grant, loan from a nonprofit organization, municipality, employer, or your own funds depending on the loan program
Power Pre-Approved Mortgages
We'll help you make an offer as soon as you find the right house.
- Find out how much you can you afford
- Get the edge over other homebuyers with a pre-approval for your loan amount before you begin the house-hunting process
We service customers throughout Northern California and Santa Clara County, specifically the following areas and zip codes:
- San Jose - 95101 | 95110 | 95113 | 95117 | 95125 | 95126 | 95131 | 95133 |
- Milpitas - 95035
- Fremont -
- Cupertino - 95014
- Mountain View - 94040 | 94041 | 94043
- Sunnyvale - 94085 | 94086 | 94087 | 94089
- Santa Clara - 95050 | 95051 | 95054
Programs and interest rates are subject to change. Loans subject to credit approval. Certain restrictions and conditions may apply.