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Which Loan is Right For You?

In the past every home owner got the same loan: a 30 year fixed mortgage. Today there are many different loan programs and choosing the right one could save you hundreds of dollars on your monthly payments.
How Long Do You Plan
On Living In The House?
We Recommend
Not Very Long (1-3 Years)      3/1 ARM
A few years (3-5 Years)      5/1 ARM
At least 5 years (5-7 years)      7/1 ARM
Around 10 years ( 7-10 years)      10/1 ARM, 30 yr. or 15 yr. fixed
A long time (10 plus years)      30 year fixed or 15 year fixed

Loan Programs
30 year Fixed
15 year Fixed
  • Monthly payments won't change
  • Interest rate Fixed
  • Protected if rates go up
  • Can refinance if rates go down
  • Higher interest rate
  • Higher monthly payments
  • Rate does not drop if interest rates improve
Adjustable Rate Mortgages (ARMS)
  • Lower initial monthly payment
  • Rate and payments may go down if rates improve
  • May qualify for higher loan amounts
  • Possible future interest rate risk
  • Payments may change over time
  • Might need to refinance in the future
Combo Loans with 2nd Mortgages
  • Lower down payment
  • No Mortgage Insurance (aka MI or PMI)
  • The option to waive your escrow account
  • Two mortgage payments to make each month
  • Depending on the program you select, you could have a balloon payment 15 years out
First Time Buyer Programs
  • Lower down payment
  • Easier to qualify
  • Sometimes you may get lower rate
  • May be subject to income and property value limitations
  • Higher upfront fees
  • Possible Mortgage Insurance (aka MI or PMI)
No point, No fee Programs
  • No closing costs
  • Less money required to close
  • Higher interest rates


In addition to conventional and jumbo loan programs we also offer a large number of specialized loans including VA & FHA government loans to fit your needs, please call or request online for more information.



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Normal Office Hours: Monday - Friday 9:00am - 5:00pm CST  |  Nights & Weekends by appointment.


NMLS Licenses (TX): All loans originated as Secure Financial Services, Inc., 2500 West Loop South, Suite 250, Houston, TX 77027; NMLS #70160; . 
 Robin Deanice Mattern Sr. Loan Officer, & Sr. Processor dba Kell Processing NMLS #292063/348289. Riverstone Mortgage is a Registered Service Mark used under a licensing agreement.  All content on this website is copyrighted and may not be copied or reproduced in full or in part.


Rates shown are subject to market conditions and may change at any time without notice. Your rate may only be locked by a licensed loan officer. Call 1-800-836-5210 to execute a rate lock. Not everyone will qualify. Rates shown are for a: conforming, purchase, primary, single family residence, in Texas, with >/=25% down payment, $275,000 loan amount, full income, full asset, full employment documentation, >740 middle credit score, with an escrow account, 30 day lock, without a second lien.