Loan Types

  • 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 then adjusting 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
  • 3.50% 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 To Value
  • 1-2 Units Acceptable
  • 30 year fixed, 15 year fixed, and ARMs available
  • 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

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