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Loan Types
Let's Pick Your Loan
Fixed Rate Loans
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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
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Adjustable Rate Loans
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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
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VA Loans
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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%
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USDA Loans
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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
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FHA Loans
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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
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Jumbo Loans
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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
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Reverse Mortgages
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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
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Find The Right Home For Your Budget
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Call Us! 970-828-1610
Call Us! 970-828-1610