Call or contact us for more information on products: 1-(877) 457-1447 Pre-Approvals Apply today and we will provide you with a Pre-Approval Certificate. Then you can shop for your dream home and:  | You know exactly what you can afford. | | You can shop with confidence. | | The seller will take you offer more seriously knowing you are virtually a cash buyer. |
VA Home Loans Veterans Administration guaranteed home loans: | 100% financing available for veterans. | | Nontraditional credit history is considered | | Expanded credit criteria | | Seller may contribute up to 6% toward the closing costs. | | Veteran must have certificate of eligibility from the Veterans Administration |
BACK TO TOP 100% Home Loan | Financing opportunity for Borrowers with excellent credit but little money for down payment. | | Zero Down plus finance 3% of your closing costs into the loan. | | Sellers may also contribute an additional 3% towards your closing costs. |
BACK TO TOP 100% Home Loan | Zero Down - buy your home with NO money down | | Little or no cash up-front - 100% of the closing costs can come from a gift or other source | | Less income required - expanded debt ratios makes it easier to qualify. | | Excellent credit history required. | | Fixed rate financing - enjoy the security of knowing what your monthly payments will be for the life of the loan. |
BACK TO TOP 97% Home Loan Even with limited or spotty credit history you can reach your dream of homeownership: | As little as a favorable 12-month rental history required. | | An affordable 3% down payment - only 1% needs to be from your own funds and the balance can come from a gift or other sources. | | 100% of the closing costs can come from a gift or other sources. | | Less income required - expanded debt ratios make it easier to qualify. | | Fixed rate financing - enjoy the security of knowing what your monthly payment will be for the life of the loan. |
BACK TO TOP FHA Home Loans
FHA program opens up opportunities that conventional mortgages do not offer: | Expanded Debt Ratios to 29%/41% | | Non-traditional credit history is considered | | Expanded credit criteria | | All of the down payment may be gifted | | Seller may contribute up to 6% toward the closing costs. | | Non-occupant cosigners are allowed. | | 401-k loans are not counted in the debt ratios. |
BACK TO TOP High Ratio Fixed Rate Loans Allows borrowers with excellent credit but limited income to buy more house: | Allows for fifty percent (50%) of your income to be used towards the housing debt when traditional lending guidelines allow about thirty percent of your gross monthly income to be used towards the housing debt | | Available with as little as 5% cash investment | | Affords the security of a fixed payment |
BACK TO TOP Fixed Rate Mortgages Is the right option for you if: | You want the certainty of a fixed principal and interest payment | | Are on a fixed or tight budget | | Believe interest rates will or may go up | | Plan on staying in the same home for a long period of time |
BACK TO TOP Adjustable Rate Mortgages This is the right option for you if: | You plan on moving or refinancing within seven (7) years of the mortgage transaction. | | Are confident your income will increase | | Believe interest rates will stay the same or go down |
Some of the many benefits of adjustable loans include the following: | You can save thousands in monthly payments over the first few years | | No prepayment penalty | | Your payments are amortized over thirty years | | With the lower interest rate it may be easier for you to qualify for a loan | | The interest rate caps help keep payments within reach if and when the rate adjusts upward | | The rate is typically limited to a one or two percent (1-2.00%) change in either direction per adjustment and a maximum of six percent (6.0%) over the life of the loan |
BACK TO TOP No - Cost Equity Lines ($35,000.00 and up) | Prime rate for life! The rate is indexed to Prime rate as posted in the Wall Street Journal the first calendar day of each month. | | 90% maximum combined financing (90% of the value of the house, including the first mortgage.) | | No annual fee | | Excellent credit required | | We offer a full line of equity lines and second mortgages to meet almost all needs. |
BACK TO TOP Refinance, including refinance with Cash-Out Many homeowners have found ways to increase their monthly cash flow or obtain additional moneys for home improvement by refinancing their current mortgage: | Payoff high interest rate credit cards | | Have additional interest deductions at tax time | | Get cash for college or weddings! | | Fixed rate or adjustable rate programs available | | 30,25,20,15 or 10-year terms | | Talk with one of our experts for a free mortgage analysis! |
BACK TO TOP Lot Loans | Allows you to secure today's price on land even if you prefer to build at a much later date | | Up to 80% financing | | Monthly payments spread out over 15 years |
BACK TO TOP Construction Loans | Up to 95% financing | | Equity in the land (if customer owns it) can be used for down payment and closing costs | | One-time closing keeps costs low and means the rate stays the same during and after construction | | Available in fixed or adjustable rates | | 6,9 or 12 month construction periods to choose from |
BACK TO TOP Home Improvement Loans | Purchase your home and finance the improvements in one loan. | | Programs with up to 100% of the appraised value. | | Conventional rates available. | | FHA 203k home improvement loans also. |
BACK TO TOP Land Contract Buyouts and Lease Purchases | Up to 100% loan-to-value | | Appraised value is used to determine the loan-to-value if you owner occupied property more than 12 months. | | Unseasoned land contract buyouts are also available. |
BACK TO TOP Specialty Income and Credit Products | Self-Employed | | Stated Income | | No Income Verification Loans | | No Ratios | | No Cost Loans | | No Documentation Loans | | No Asset Loans | | Debt Ratios up to 60% | | Plus More |
BACK TO TOP Bridge Loans | Use the equity in your current home to buy or build your new one | | Interest only payments for six months | | Low, low closing costs! | | Quick closings! |
BACK TO TOP Jumbo Mortgages | Jumbo mortgages are categorized as loans in excess of $417,000.00 for single-family residences | | Fixed rate loans always vary in price between conforming and jumbo loan amounts although some adjustable rate mortgages have much higher limits prior to altering the pricing | | Available up to 4 million dollars | | Construction, purchase, refinance or refinance with cash-out O.K. | | We are luxury home specialists! |
BACK TO TOP Investment Property | 1,2,3 or 4 unit properties | | Up to 95% financing available. |
BACK TO TOP Property Types | Condominiums | | Commercially Zoned Residential Property | | Rural Properties | | Manufactured Housing | | Manufactured Homes | | Mixed Use Property |
BACK TO TOP Multifamily | 5 plus units | | Our Commercial Division has over 19 years in multi-family lending! |
BACK TO TOP Extended Locks | Preserve today's rates up to 60 days. |
BACK TO TOP Zero Closing Cost Loans | We pay all closing costs except pre paids. | | No Title Costs. | | No Appraisal Cost. | | No Underwriting Fee. | | No Document Preparation Fee. | | No Fees of any kind. | | No Pre-Payment Penalty. | | Loans for Purchase or Refinance | | 15 to 30 year Owner Occupied Fixed & Adjustable Rate Loans | | Minimum loan amount $350,000 |
BACK TO TOP 100% Loan to Value 2nd Mortgages | Debt Consolidation 720 Fico Score | | Can be used for Home Improvements | | A portion of the interest may be tax deductible (consultant your accountant) | | 15, 20 and 25-year amortizations. |
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