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:

  • Interest only purchase and refinance loans
  • Purchase a house with 0 down
  • Piggyback loans 80-10-10 or 80-15-5. No PMI payments even with 5% or 10% down.
  • Debt consolidation programs
  • Home Improvement loans
  • Qualify even if you may have been turned down before!


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