FIXED RATE MORTGAGES
 

• Record-low fixed rates mean cheap long-term money!
• 10 year, 15 year, 20 year, and 30 year loans available.
• Up to 103% financing to cover full purchase price AND closing costs
• Up to 125% financing for refinance
• Sub-prime programs for 'less than stellar' credit history

ADJUSTABLE RATE MORTGAGES (ARMs)
 

• Super-low introductory rates are perfect for short-term home ownership.
• Introductory rate fixed for 1, 3, 5, or 7 years.
• Payments based on 30 year payoff

COMBO LOANS
 

• First and second mortgage packages offer up to 100% financing with no Private Mortgage Insurance (PMI).
• Sets up first mortgage at 80% of total loan for the best possible rate
• Sets up second mortgage at slightly higher rate for 5, 10, 15 or even 20%
• A great choice when wanting to fix the majority of your loan at a low rate with no PMI and planning to pay off the second mortgage in the near future.

NO INCOME VERIFICATION PROGRAM (NIV or STATED)
 

• The answer for people self-employed for more than 2 years that have "expensed" their income away for tax purposes.
• This program allows a person to simply state a reasonable income amount based on their profession without having to verify it.
• A slightly higher rate applies.

NO RATIO PROGRAM
 

• This program goes one step further than the NIV Program in that a person doesn't have to state income, let alone verify it.
• A history of employment is usually required, simply no income amounts.
• A slightly higher rate applies.

NO INCOME / NO ASSET PROGRAM (NINA)
 

• NINA programs offer the least restrictions provided you have good credit. No income is stated or verified, no assets are verified.

CONSTRUCTION LOANS
 

• Short-term line-of-credit style loans for the construction of a new home.
• Provides for disbursement of funds to contractors as work progresses.
• Is tied to permanent financing upon completion of the home.

COMMERCIAL LOANS
 

• Commercial loans are as varied as the businesses they fund. Please call to set up an appointment to discuss your needs and find out what we can do for you.

AND MORE…

 

The above programs are just a sample of what we can offer. To best find out what we can do for you, please give us a call or stop by our office any time!