Product Rate APR
30-Yr Fixed 3.875% 4.083%
15-Yr Fixed 3.250% 3.614%
*updated as of quoted rates reflect good credit scores with a 20% down payment on $160,000 home - offer may terminate at any time without notice - rate and annual percentage rate calculated on a 365 day year with typical/normal closing costs, Rates/APRs subject to change with closing costs - properties and applicants must quality - other restrictions may apply.


GEO's New Website
GEO Mortgage launches new website to better serve clients.

Updates in HARP Program
Freddie Mac Details Refinancing Changes Under HARP Program

Products and Rates

Products & Rates

Fixed Rate

A fixed rate mortgage (FRM) is a mortgage loan where the interest rate on the note remains the same through the term of the loan, as opposed to loans where the interest rate may adjust or "float."

ARM (Adjustable Rate Mortgage)

This loan is fully amortized over a 30 year period and features variable payments. The advantage can be a lower starting rate than the fixed rate loans. The disadvantage is that interest rates can increase over time, therefore making your payments rise.

Arms Include:

  • 1 month ARM – interest rate adjusts monthly
  • 6 month ARM – interest rate adjusts every 6 months
  • 1 year ARM – interest rate adjusts annually
  • 3 year ARM – rate is fixed for the first 3 years then adjusts annually
  • 5 year ARM – rate is fixed for the first 5 years then adjusts annually
  • 7 year ARM – rate is fixed for the first 7 years then adjusts annually

A Government Loan that assists homebuyers that are unable to obtain conventional financing. These loans are easier to qualify for and require a down payment of only 3.5%.

A mortgage loan made by an approved lender and guaranteed by the Department of Veteran Affairs. These loans require no down payment and are only available to eligible veterans.

Texas Veteran
Will provide up to $150,000 of financing at a reduced interest rate to eligible veterans, if the price of the home is more than $150,000, this program may be used in conjunction with another loan to make up the difference.

Since there are so many variables between projects, please contact us for a consultation.