FIXED RATE MORTGAGES  

• Record-low fixed rates mean cheap long-term money!
• 10 year, 15 year, 20 year, 25 year and 30 year loans available.
• Up to 103% financing to cover full purchase price AND closing costs on certain programs

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

GOVERNMENT LOANS (VA, FHA and USDA)

• VA loans offer No Money Down purchase option for VA eligible borrowers.  Low rate without monthly mortgage insurance makes a great low monthly payment.  Available in a 30 and 15 year fixed rates and also adjustable rate options available.  VA loans also available for Cash Out refinancing and the streamline Interest rate reduction program.
• FHA loans offer lighter approval guidelines over conventional loan.  No VA benefits required!  Program offers purchase; rate and term refinance and also Cash Out refinance options.  If you are currently in an FHA loan check out our streamline refinance!
• USDA is a great option for houses outside a major metropolitan area.  They offer No Money down loan with flexible approvals.  No monthly mortgage insurance makes a very affordable payment!
  

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.

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!