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RMS Loan Product Portfolio

RMS Finance Options

Loan Products

At RMS, we offer a broad product selection, making it easier to find you the right loan program that meets your unique financial needs and situation.

Mortgage Amortization Options: • Fixed Rate Mortgages • Adjustable Rates and Hybrid ARMS • Interest-Only Loans • Permanent and Temporary Buy downs

Residential Loan Types:

Click any of the product names to see more details on that product

Conventional Mortgages

Conventional loans are the most popular financing program as they offer the greatest variety of options, allowing borrowers to choose the term (length) of the loan, the down payment size (which can help eliminate the requirement to purchase mortgage insurance), and whether the loan will have a fixed or adjustable interest rate.

VA Mortgages

The VA loan program is a low-cost borrowing alternative designed to help eligible Veterans, National Guard, & Reservists become homeowners. Since a portion of the loan is guaranteed by the VA, it allows private lenders to provide veterans with more favorable loan terms.

Discuss VA eligibility and benefits with a local RMS Loan Officer or visit:

FHA Mortgages

FHA loans have been helping people become homeowners since 1934. The Federal Housing Administration (FHA) - which is part of HUD - insures the loan, so you may be eligible for terms not available under conventional loan programs. Whether you need to purchase a home as-is or a home that needs a little “TLC”, FHA loans can be just the right tool if you need more flexible credit, income, or down-payment guidelines. FHA loans are often a bit more forgiving than conventional loans, and FHA offers programs for standard purchases AND rehab purchases.

For more information about the FHA program contact the team at RMS or visit

USDA-RD Mortgages

The USDA-RD loan program offers loans to help citizens purchase affordable homes in rural areas. Sometimes good credit and steady income are not enough to qualify for a home loan under conventional mortgage guidelines. More rural families and individuals may be eligible to become homeowners with the help of a USDA guaranteed home loan. Through USDA’s Guaranteed Rural Housing Loan Program, low and moderate-income people may qualify for mortgages even without a down payment.

The local RMS team can help determine if your property meets RD Guidelines:

State Housing Programs for CT, MA, MD, ME, NH, OH, PA, RI and VT

Various state housing agencies offer loan programs that help local residents secure affordable housing. RMS offers loans programs from state housing agencies based in Maine, New Hampshire, Massachusetts, Ohio, Rhode Island, Connecticut, Pennsylvania, and Maryland.

For more information regarding State Housing programs, call your local RMS Loan Officer or visit:

Connecticut Housing Finance Authority


Maryland Department of Housing & Community Development

Maine State Housing Authority

New Hampshire Housing Finance Authority

Ohio Housing Finance Agency

Pennsylvania Housing Finance Agency

Rhode Island Housing

Vermont Housing Finance Agency

Jumbo Mortgages

Jumbo loans are mortgages that exceed the maximum conventional loan limits, typically loans greater than $417,000, set by Freddie Mac and Fannie Mae. This program usually applies to the purchase or refinance of larger, or higher-priced single family properties.

Connect with a mortgage professional in a community near you.