Let's Pick Your Loan

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 adjusts 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

3.5% 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 value
1-2 units acceptable
30 year fixed, 15 year fixed, and ARM's available

Reverse Mortgages

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

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