Our mortgage programs
FHA Home Loan
A FHA Loan is a great solution for a first-time homebuyer as well as those who want to make a lower down payment. Additionally, a FHA loan will help our clients with less-than-perfect-credit!
203(k) Home Loan Renovation
Planning to buy a fixer-upper? This program combines your construction loan and your mortgage into a single home loan, which saves money in closing costs and simplifies the home renovation process.
Veteran’s ‘VA’ Loan
For the men and women that served us, we serve you by offering one of our best products.
A Jumbo Mortgage is designed to allow consumers who are purchasing bigger homes to take advantage of today’s low rates. If you are able to afford a more expensive home but haven’t saved up enough money to bring the loan down to conforming limits, or you’ve found the perfect home but it happens to be in a higher priced neighborhood, this mortgage program is made for you!
USDA Rural Loan
The USDA Mortgage is meant to spur homeownership in pre-designated rural and underdeveloped areas. Take advantage of a 0% down-payment with this program!
Home Affordability Refinance Program (HARP 2.0) Loan
Owe more on your home than it’s worth? No problem! Welcome to the simple solution.
Low Down Conventional Loans
Have you heard?! Fannie Mae and Freddie Mac have re-established their low down-payment programs, MyCommunity and Home Possible. We’re trained to understand how these programs work and how they can benefit your unique financial picture.
Take advantage of low rates with a conventional purchase.
Adjustable Rate Mortgage
With an Adjustable Rate Mortgage, the interest rate fluctuates according to the interest rates in the economy. Initial interest rates of ARMs are typically offered at a discounted rate that’s lower than the rate for a Fixed Rate Mortgage. Over time, when initial discounts are filtered out, ARM rates will fluctuate as general interest rates go up and down.
Fixed Rate Mortgage
A fixed-rate mortgage is exactly what it sounds like. It’s a mortgage for which the interest rate is fixed for the life of the loan. Fixed rate mortgages are available in multiple terms. The most common loan terms are 30 year, 20 year, 15 year, and 10 year loans. The monthly payment on a fixed-rate loan is inversely proportional to its term. The more years in a loan, the lower its monthly payment.
Eliminate Mortgage Payments Forever. Live comfortably in your retirement. If you are over 62 years old, there are multiple ways to get your money from a Reverse.
Back to Work
The Back To Work program is the FHA’s “second chance” for mortgage applicants who have experienced financial hardships as a result of unemployment or severe deduction in income.
FHA 580-620 Mortgage
The FHA 580-620 Program was designed to promote homeownership amongst those who are financially stable, but whose credit doesn’t necessarily reflect it. Whether you’re a first time home-buyer or recovering from the recent recession, this program is here to help you take advantage of today’s low rates, even if your credit is “Less Than Perfect”.
No FICO, No Problem Program
The No Fico program was created to help those who haven’t established their credit yet, but have demonstrated that they have what it takes to buy a home.
Home Path Program
This program is aimed to sell homes that have been reclaimed via foreclosure. The Home Path program lets buyers buy Fannie Mae-owned homes with simpler mortgage requirements than with a traditional loan.
One-Time Close Construction
A One-Time Close Construction Loan is a type of mortgage that is available for those that are building a house. By utilizing a One-Time Construction Loan, you will eliminate paying two sets of closing costs, and will know exactly what you are getting into before construction even starts.