Fixed Rate Loans
-
30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.
-
Buy a home with as little as 5% down (primary home).
-
Refinance up to 95% of your primary home's value.
-
Monthly payments remain the same for the entire loan term.
Adjustable Rate Loans
-
3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.
-
The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.
FHA Loans
-
3.50% minimum down payment required on purchase.
-
Minimum credit score usually 620.
-
Post-bankruptcy qualifying - 2 years after.
-
Post-foreclosure qualifying - 3 years after.
Bank Statement Loans
-
Self-Employed Mortgage Loans
-
We can use your bank statements to prove income.
-
NO tax returns required!
Down Payment Assistance Program
-
The DPA is used in conjunction with a FHA or VA loan.
-
Available for single family homes, condos and Planned Unit Developments (PUD).
-
No upper income limits and not limited to first time buyers!
-
This loan is eligible for 100% forgiveness after 5 years prorated 20% each year!