Whether you're considering purchasing a new home or refinancing your existing mortgage, we have the ideal loan program for you.

The following list are some of the programs we have available. Please feel free to contact us with any questions.

1. FIXED RATE MORTGAGES

2. ADJUSTABLE RATE MORTGAGES

3. BALLOON MORTGAGES

4. FIRST TIME BUYER PROGRAMS

5. STATED INCOME PROGRAMS

6. COFI/COSI MORTGAGES

7. FHA MORTGAGES

8. COMMERCIAL MORTGAGES

9. CONSTRUCTION RE/HAB MORTGAGES

10. NO POINT, NO FEE PROGRAMS

11. IMPERFECT CREDIT PROGRAMS

12. HOME EQUITY FIXED LOAN (SECOND MORTGAGE)

13. HOME EQUITY LINE OF CREDIT

• Conventional or Jumbo size Mortgage Loan Amounts
• Ten, fifteen, twenty, twenty-five and thirty year terms
• Monthly payments are fixed over the life of the loan
• Interest rate does not change

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• Conventional or Jumbo size Mortgage Loan Amounts
• Range from a fixed period of one month; six months; or one, three, five, seven, and ten years before becoming a one-year adjustable term for the remaining time of the loan, up to thirty years.
• Lower initial monthly payment
• Rates and payments may go down if rates improve
• May qualify for higher loan amounts
• Payments may change over time
• Potential for high payments if rates go up

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• Generally Conventional Loan Amounts
• Five or Seven year fixed before balloon
• Lower payment over a shorter period of time
• Many balloon mortgages offer the option to convert to a new loan after the initial term
• Risk of rates being higher at the end of the initial fixed period
• Risk of foreclosure if you cannot make balloon payment or if you cannot refinance or if you cannot exercise the conversion option

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• Offers low or no down payment
• Easier to qualify ... lower credit scores ... expanded income ratios ... allows side job income (max $1000 per mo) with no verification
• Standard Fannie Mae 30yr fixed rates
• May be subject to income and property value limitations
• Expanded to include non-first time homebuyers as well as rate & term refinancing

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• Income not verified
• Faster approval
• As low as 5% down depending on credit scores
• Available for refinances as well as purchases
• Self Employed or W2 Employee
• Rates can be higher depending on property, credit and downpayment

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• Adjustable mortgages with indexes tied to a more stable savings index
• No-income verification with 20% down payment
• Rapid principal reduction
• Bi-Weekly payments plan option
• No income verification and no mortgage insurance required with 10% down on combo loan

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• Fixed and Adjustable rates
• As little as 3% down-payment on one to four family purchases
• Down Payment and closing costs can come from a gift, a grant, or own funds

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• For purchase/refinance of properties five family and above
• Mixed use property
• Usually require 25-30% down payment
• Repayment term is not generally for a fixed period of time

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• Allows the purchase of land to build a single family home with as little as 5% down payment
• 10% down payment required for two-family homes
• Loan amount based on improved value

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• No closing costs
• Less money required to close
• Higher rates
• Higher payments

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• Potential for re-establishing credit if you pay your mortgage on time
• When used for debt consolidation, you may be able to reduce your monthly debt payment
• Higher rates
• Terms may not be as favorable
• Harder to get long term fixed loans
• Loans may have prepayment penalties

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• Goes behind your current first mortgage
• Based on the remaining appraised equity in your home
• Up to 100% of Equity may be borrower (depending on individual qualification)
• Interest may be tax deductible

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• You only borrow what you need
• Pay interest only on what your borrow
• Flexible access to funds
• Interest may be tax deductible

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