Fixed Rate Loans

• 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.

• Buy with as little as 5% down (primary home).

• Refinance up to 95% of your primary home's value.

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 Loan

• 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.

VA Loans (Purchase)

Zero Down Payment Required

• FICO 660 +

• Cash Out up to 100% LTV

• Loan Amounts up to $2MM

Reverse Mortgage Loans

• Receive payments FROM your loan

• Be at least 62 years old

• Own your home

• Have equity in the house

Jumbo Loans

• 10% minimum down payment required on purchase

• LPMI options

• Loan amounts over $424,100 for most counties

Lender Paid Mortgage Insurance Loans

• Same requirements as a conventional loan

• Slightly higher rates than conventional but with no mortgage insurance

• Better option for those that will live in home less than 8 years.

No Closing Cost Loans

• Same requirements as original type of loan

• Slightly higher rate, but with us paying your closing costs

• Better option for those that will mess with their mortgage again in the next 7 years.

Extended Rate Lock Program

Building a home and worried about rising interest rates.

• We can lock your loan in up to 1 year in advance.

• We have a very generous float down policy where if rates were to fall during that period of time by .25% or more

• we can float your rate down for free.