| Fixed Rate |
- A fixed-rate loan offers a stable monthly payment over the life of the loan. You'll always know exactly what your payments will be. |
| FHA (no or low down payment) |
- FHA loans are a government initiative designed to increase home ownership. FHA loans offer low down payment requirements and are more forgiving of credit history. |
| VA (no down payment) |
- Offered exclusively to those who've served in the armed forces, VA loans offer easy qualification, no down payment, and excellent rates. |
| Jumbo Loans to $1,000,000 |
- We offer fixed-rate and ARM mortgages for loans over $300,700. |
| Adjustable Rate Mortgages (ARM's) |
- ARM's offer an opportunity to save money by giving you the lowest possible rate in exchange for accepting that interest rates may change in the future. You can be assured that your rate will never get too high because ARM's have annual and lifetime caps. |
| Stated Income |
- We offer loans for customers who are unable or do not wish to document income. |
| No Income No Asset |
- We offer loans for customers who do not wish to document income and liquid assets. |
| Loans for customers with less that perfect credit |
- Life presents many challenges, and it's easy to find yourself in a situation where your credit may be a little damaged. A loan officer can help you sort out your credit problems and find a loan program that works for you. |
| Rural Housing |
- No down payment loan for properties located in SMSA's (Standard Statistical Metropolitan Area). |
| Interest Only Loan |
- Loans on which the borrower is only obligated to pay interest only for an initial term period, 3, 5 or 7 years. |
| HELOC's |
- Home Equity Line of Credit - may be paid down redrawn (balance increased) over time, secured by a 2nd mortgage. |
| 2nd mortgages |
- Fixed rate loan that is secured by a 2nd mortgage. |
| 80-20 loans |
- Combination 80% first mortgage with a 20% 2nd mortgage. No private mortgage insurance (PMI) Required. |
| Cash-out refinance |
- A cash-out refinance lets you take advantage of the equity you've built, by paying your mortgage or because your home increased in value. You can refinance the balance of your mortgage and receive the difference in cash. |
| Interest Rate Reduction Refinance |
- An interest rate reduction refinance lets you take advantage of lower rates and a lower monthly payment. |
| First Time Buyer Programs |
- We offer many programs designed especially for first time buyers.
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