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Which loan is right for me?


Years you plan to stay in the homeRecommended program
1-3 years 3/1 ARM, 1 year ARM
3-5 years 5/1 ARM
5-7 years 7/1 ARM
7-10 years 10/1 ARM, 30 year fixed or 15 year fixed
10+ years 30 year fixed or 15 year fixed


Loan ProgramAdvantages
Fixed Rate Mortgages

 

  • 30 year fixed
  • 25 year fixed
  • 20 year fixed
  • 15 year fixed
  • 10 year fixed

 

 

  • Monthly payments are fixed over the life of the loan
  • Interest rate does not change
  • Protected if rates go up
  • Can refinance if rates go down

 

Loan ProgramAdvantages
FHA -HUD Insured
  • No Income or Property Eligibility Requirements
  • 96.5% LTV Financing for Purchases and Rate/Term Refinances up to 97.75%
  • 85% LTV Cash-out Refinances
  • 6% Seller's Concessions
  • Unlimited Gift Funds Allowed
  • Common Sense Underwriting
  • Low Closing Costs

 

Loan ProgramAdvantages
USDA Direct
  • Finance 102% of Appraised Value
  • No Down payment Required
  • No Mortgage Insurance
  • No Seller Contribution Limit
  • No Pre Payment Penalty
  • No Maximum Loan Amount
  • Competitive Rates

Loan ProgramAdvantages
Reverse Mortgage
    • Enables eligible homeowners to access the money they have built up as equity in their homes
    • Provides tax free funds for as long as you live in the home
    • No loan payments for as long as you live in the home
    • No income, medical or credit requirements
    • Retain ownership of your home for life; this is guaranteed as long as you maintain your home, and pay the insurance and real estate taxes
    • Choose a cash flow plan tailored to fit your needs
    • No restrictions on how you may use the funds
    • A tax advantaged way to pass on part of your estate today
Loan ProgramAdvantages
Interest Only
  • Lower monthly payments
  • Qualify for a higher loan amount
  • Qualify at the interest only payment
  • Option to pay the full normal payment
  • Interest only payments for up to ten years
Loan ProgramAdvantages
Adjustable Rate Mortgages (ARM)
  • 10/1 ARM
  • 7/1 ARM
  • 5/1 ARM
  • 3/1 ARM
  • Lower initial monthly payment
  • Rates and payments may go down if rates improve
  • May qualify for higher loan amounts
  • 30 year term, no balloon payment

Loan ProgramAdvantages
Imperfect Credit
  • Potential for reestablishing credit if you pay your mortgage on time
  • When used for debt consolidation, you may be able to reduce your monthly debt payment

Loan ProgramAdvantages
Home Equity Line of Credit
  • You only borrow what you need
  • Pay interest only on what you borrow
  • Flexible access to funds
  • Interest may be tax deductible
  • May be free of closing costs
  • A good source for an emergency fund, if set up in advance
  • Can be used for debt consolidation and lower payments
  • Rates are usually lower than consumer loan or credit card rates

Loan ProgramAdvantages
Fixed 2nd Mortgage 
  • Fixed payments
  • Interest may be tax deductible
  • Get cash out for any purpose

In addition to our standard loan programs, you may benefit by obtaining one of our many special programs: