Loan Types

Fixed Rate Loans

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.

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.

VA Loans

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%.

USDA Loans

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

FHA Loans

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.

Jumbo Loans

Loan Amounts Up To $3,000,000
No Mortgage Insurance Up To 89.9% Loan To Value
1-2 Units Acceptable
30 year fixed, 15 year fixed, and ARMs available

Reverse Mortgage

You must be age 62 years or older, and
Live in and own your home (must be your principal residence)
Minimal income and credit requirements

Find The Right Home For Your Budget

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