Loan Programs
Which Mortgage Solutions will fit You?
At FOCI Loans LLC, we offer a diverse range of mortgage solutions tailored to meet your unique financial needs. Our team is committed to guiding you through the mortgage process and helping you select the loan program that best fits your financial goals.
Contact UsMortgage Rate Options
Fixed Rate Mortgage
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during th...
Adjustable ARM
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans...
Interest Only
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the princ...
Graduated Payments
Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...
Loan Program Options
Construction Loans
A construction loan offers short-term funding for building or renovating properties. Disbursed in stages, it is secured by the property being devel...
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VA Loans
Exclusively for veterans, active-duty service members, and eligible surviving spouses, VA loans are guaranteed by the Department of Veterans Affair...
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FHA Loans
Backed by the Federal Housing Administration, FHA loans are designed to assist first-time homebuyers and those with less-than-perfect credit. They...
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Conventional Loans
Ideal for borrowers with strong credit histories and stable incomes, conventional loans are not insured or guaranteed by the federal government. Th...
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