Fixed Rate Loans
- 30, 20,15 and 10-year terms are all available with fixed rate.
- 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 ARM’s.
- Monthly payments based on a 30 year schedule.
- The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term).
FHA Loans
- Post-bankruptcy qualifying is only 2 years from date of discharge.
- Post-foreclosure qualifying is only 3 years from recorded foreclosure date.
- Seller can pay up to 6% of buyers closing costs.
- Very low 3.5% down payment required on purchases.
- Minimum credit score usually 580.
- Minimum credit score 500 with 10% down.
Non-Conventional Loans
- Investor Cash Flow Program
- Jumbo Loan Program
- Foreign National Program
- Bank Statement Programs (Personal or Business Bank Statements)
- Asset Qualifier Program
VA Loans
- Provides veterans with flexible lending options and loan security.
- 0% down payment required on purchases
- 100% Cash out available for refinances.
- Competitive interest rates that are routinely lower than conventional rates.
- No monthly mortgage insurance like with FHA.
- Sellers can pay up to 6 percent of buyers closing costs.
