Loan Programs

Fixed Rate Mortgages
30 year fixed 20 year fixed 15 year fixed	Monthly payments are fixed over the life of the loan Interest rate does not change Protected if rates go up Can refinance if rates go down

Adjustable Rate Mortgages
10/1 ARM 7/1 ARM 5/1 ARM 3/1 ARM	Lower initial monthly payment Lower payment over a shorter period of time Rates and payments may go down if rates improve May qualify for higher loan amounts

First Time Buyer Programs
	Lower down payment Easier to qualify

Stated Income Programs For Self Employed and W2 Wage Earners
	Don't need to verify income Faster approval

Less Than Perfect Credit Programs
	Potential for reestablishing credit if you pay your mortgage on time. When used for debt consolidation, you may be able to reduce your monthly debt payment

Home Equity Line of Credit
	You only borrow what you need Pay interest only on what you borrow Flexible access to funds Interest may be tax deductible

Home Equity Fixed Loan
	Fixed payments Interest may be tax deductible

Besides our standard loan programs, we also have a large number of unique programs to serve your needs: