Fixed Rate Loans

• 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.

• Buy with as little as 5% down (primary home).

• Refinance up to 95% of your primary home's value.

Adjustable Rate Loans

• 3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.

• The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.

FHA Loan

• 3.50% minimum down payment required on purchase.

• Minimum credit score usually 620.

• Post-bankruptcy qualifying - 2 years after.

• Post-foreclosure qualifying - 3 years after.

FHA Loan W/ Down Payment Assistance

• FHA with a 3.5% down payment

• Credit: Minimum 640 FICO

• 100% LTV With DPA | 97% LTV Without DPA

• Purchase Only

HomePath Loans

• Must be Fannie Mae owned property

• 5% Down

• No Mortgage Insurance

Reverse Mortgage Loans

• Receive payments FROM your loan

• Be at least 62 years old

• Own your home

• Have equity in the house

Jumbo Loans

• 10% minimum down payment required on purchase

• LPMI options

• Loan amounts over $424,100 for most counties

Lender Paid Mortgage Insurance Loans

• Same requirements as a conventional loan

• Slightly higher rates than conventional but with no mortgage insurance

• Better option for those that will live in home less than 8 years.

Investor Cashflow

• Credit scores as low as 600

• No Job Needed

• 40 year interest only option

• Up to 80% LTV

• Property can be in name of LLC

Extended Rate Lock Program

Building a home and worried about rising interest rates.

• We can lock your loan in up to 1 year in advance.

• We have a very generous float down policy where if rates were to fall during that period of time by .25% or more

• we can float your rate down for free.

HELOC and 2nd Position Loan

• Traditional HELOC

• Home Equity Access

• No Doc Home Equity

• ITIN Foreign National Loan

Fix and Flip Loan

• Credit as low as 620

• Down Payment: 20% - 30%

• Investment Only

• Max Loan To Cost: Up to 90% of the Purchise Price

No Mortgage Insurance Loan

NO MI Loans – Up to 95% Loan-To-Value Ratio

• Credit: 620 FICO or higher

• Maximum DTI of 50%

• Single Family Residence, Condo, PUD, Multi Units (Max 4 Units)

No DTI Loan

No DTI Loan Program up to $3 million.