Fixed Rate Loans
30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate. We also offer custom loan terms between 10 and 30 years.
Buy a home with as little as 3% 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 and 10/1 ARM's. Monthly payments based on a 30 year repayment schedule.
The rate stays fixed for the first 3, 5, 7 or or 10 years (depending on chosen term), and then adjusting annually thereafter.
3.50% minimum down payment required on purchase. 100% gift funds allowed.
Minimum credit score usually 550.
Post-bankruptcy qualifying - 2 years after.
Post-foreclosure qualifying - 3 years after.
Competitive interest rates that are routinely lower than conventional rates.
Sellers can pay up to 6 percent of closing costs and concessions.
Higher allowable debt-to-income ratios than for many other loans.
Down payment as low as 0%.
Reverse Mortgage Loans
For our clients or their parents that are 62 years and older
Purchase your next home with this product and never have a mortgage payment!
Convert your homes equity into a lifetime income stream.
Use the Line of Credit option to have access cash in case of emergency.