Loan Programs

No Income Verification
No-Income, No-Asset, No-Job Verification loans allow borrowers with good credit to secure a mortgage without proving income and in some cases assets. This is especially helpful for self employed or commissioned borrowers who write off large deductions to reduce their income tax consequences. They also benefit those who can't or don't want to prove where the down payment and closing costs are coming from. These loans can be secured with as little as 5% down payment for those who qualify based on credit history.

Credit Problem Programs
Our skilled loan officers believe that everyone is entitled to a second chance. There are many programs that may be available to you, even if you do not meet traditional approval guidelines. While the interest rates on these loans are generally a little higher, our non-conforming mortgages provide you with an opportunity to rebuild your credit, help you to consolidate outstanding debts, make home improvements or provide you with additional cash for whatever you may need.

First Time Home Buyers
We understand the excitement and pressure that can be a part of your first home purchase. That is why we have trained professionals to help you get the information and the financing you need. There are several benefits to this being your first home purchase. Give us a call and we will give you a free consultation on purchasing and financing your first home purchase.

Conforming Loans
Up to $359,650. Conforming long-term, fixed-rate and adjustable loans that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines. Conforming loans typically have higher loan limits than FHA and VA loans.

VA and FHA
Government insured/guaranteed long-term, fixed-rate and adjustable loans that are good bets for new homeowners who qualify.

Reverse Mortgage
Allows borrowers to retain ownership of their property and receive cash or a monthly check representing a portion of the equity in the property. No money is due until the property is sold, the owner dies or vacates the property for 6 months, or an agreed upon date is reached.

0-3% Down FHA/FNMA
This program was designed to assist moderate income first time home buyers. The program also allows more flexibility to help borrowers qualify. First-Time home buyers dream!

5% Down Investment/Rental Properties
We offer many programs to the investment buyer that wants to put the least amount down. Typically these programs differ from a conforming loan in that a slightly higher interest rate is charged. A down payment of 30% is needed to qualify for conforming rates. Loan-to-values to 90% with allowed seller concessions of up to 5%.

5% Down Primary or Second Home Purchase
We offer a wide variety of programs for a primary purchase and can even offer 5% financing on a second home for qualified borrowers. Loan approval comes fast and easy with the latest technology, some within an hour. Payment terms can be structured to the borrowers’ particular needs that include 30, 20, 15 and 10 year fixed rates, ARM’s, and many balloon programs.

Easy Doc
No Doc w/620 Scores to $2,000,000  Stated Income w/620 Scores to $4,000,000  Full-Doc w/600 Scores to $4,000,000  Debt Ratios to 45%  30 Year and 15 Year Fixed Available

Jumbo A/Alt A
Loans to $4,000,000 No Doc to $1,500,000 - 60%, 660 Score, Cash out ok 95% Stated to $400,000 (700 Score) 90% Stated to $500,000 (660 Score) NOO 85% Stated to $500,000

Refinancing, Rate/Term or Cash-out
Many programs are available to reduce your present mortgage interest rate with little or no "out-of-pocket" cash. We will use up to 100% of the appraised value of your property for some programs. You can use the equity in your home for home improvements, college tuition, debt consolidation, the purchase of a boat or car or for "emergency" cash savings.

100% - 107% Financing
We offer several no down payment programs such as the Rural Housing Service Loan that increases the number of loans in rural communities. We also have a 100% program for borrowers that have good credit and employment histories, but have no money down for their down payment. In some cases, the closing costs can be included in the loan amount and there is no mortgage insurance.

New Construction
We have the ideal mortgage program for new construction, our "Extended Lock" mortgage. It's available for conventional, FHA and VA fixed-rate loans. We'll lock in your interest rate for a maximum of 180 days while your new home is being constructed. When your home is completed, and it's time to close the mortgage, you'll get the original interest rate you locked in, even if interest rates have gone up since then. Lock in peace of mind with our New Construction Extended Lock Program.

Special Refinancing up to 107% or 125% for HELOCS
We offer Special Refinancing for our clients that have special circumstances that prevent them from getting financed conventionally. Self Employed, Low Equity, New Job, Slow Credit, Foreclosure, Bankruptcy, just to name a few. One of our "Special Refinancing" programs may be the answer you are looking for.