Refinance quickly without an appraisal.
Our FHA team is experienced to get your FHA loan funded quickly.
More flexibility with FICO scores.
Your friends and family can help finance your dream home.
Combine your renovation loan and your mortgage into a single home loan, which limits your loan closing costs.
The 203k loan combines the traditional “home improvement” loan with a standard FHA mortgage, with loan amounts of up to $625,500.
The 203k loan is available to both buyers and refinancing households. Allows you to hang on to your savings. Fair interest rates.
The Streamlined 203k loan is for less extensive projects and costs are limited to $35,000. Traditional 203k loans do not have a construction loan size limit.
For veterans and surviving spouses.
Purchase or refinance.
Flexible or no credit scores allowed.
Our staff understands the complexities of incomes and knows how to use financial picture to your advantage.
Jumbo Mortgages range from anywhere between $417,000 to $2 million. Second home or investment property allowed.
Provides the convenience of one loan for the entire loan amount, with a variety of options. ARMs allowed.
Jumbo Mortgage rates have reached historic lows, and interest on loans up to $1 million is tax-deductible.
100% financing and no down payment.
Unlike other mortgage programs, the USDA program doesn’t require a homeowner counseling course to qualify.
USDA Rural Loans can be used by first-time buyers and repeat home buyers alike.
Via the USDA, you can finance 100% of a home’s purchase price while getting access to better-than-average mortgage rates. No acreage limitations. 3 years post bankruptcy, 4 years post foreclosure.
Compared to other conventional mortgage programs, these programs allow qualified homebuyers to put less money down on thier home.
Moving can become an expensive endeavour. With less down, you will be able to spend more of your cash on things your home needs!
Since homebuyers are allowed to put less towards their downpayment, they may be able to afford a larger home that they previously didn’t qualify for.
At least one of the homebuyers will be required to attend a home-buyer education course.
This is the most utilized mortgage program.
30 year, 25 year, 20 year, 15 and 10 year terms available.
Conventional loans offer low mortgage rates to save you money. Renovation loans allowed. Grants and gifts allowed from suitable source, along with 5% of your own funds.
Fixed and ARMs available.
For a fixed period of time, you save on interest costs and pay more towards your principal.
Lenders give you a discounted rate up front because they know the rate will float with the market later on.
After your initial rate period, your interest rate will be adjusted based on the type of program that you choose.
If you expect mortgage rates to decline, ARMs can work towards your advantage.
Fixed-rate mortgages are safe because you never have to worry about your interest rate possibly going up.
Your mortgage payment is set on Day 1 of your home loan, and never changes until the loan is paid-in-full. Some homeowners may prefer this type of certainty.
As fixed-rate mortgage rates have dropped in recent years, the relative value of an ARM’s low starting mortgage rate has diminished.
See today’s rates and compare your loan pricing. Rates are available online, at no cost, with no obligation, and with no social security number required to get started.
A traditional mortgage genuinely requires a 620 credit score.
The borrower is required to cover all downpayment and closing cost funds.
The borrower will be required to have 6 months of mortgage payments as assets in order to qualify. Gift funds are not accepted for reserve requirements.
The borrower must have the required reserve funds and closing costs in their bank account, untouched, for at least 6 months.