Let's Pick Your Loan

  • 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
  • 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 adjusts annually thereafter
  • 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%
  • No down payment option - 100% financing
  • No cash reserves required
  • Seller can pay closing costs
  • Income limitations
  • Great first time homebuyer financing option
  • Very low cash needed to buy your first home
  • 3.5% minimum down payment required on purchase
  • Minimum credit score usually 620
  • Post-bankruptcy qualifying - 2 years after
  • Post-foreclosure qualifying - 3 years after
  • Loan amounts up to $3,000,000
  • No mortgage insurance up to 89.9% loan value
  • 1-2 units acceptable
  • 30 year fixed, 15 year fixed, and ARM's available
  • You must be age 62 years or older, and own the home you live in (must be your principal residence)
  • Minimal income and credit requirements

Find The Right Home For Your Budget