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We offer a variety of services that suit your specific needs. To learn more about these specific services or programs, just click on any of the links to the right for specific details.
Loans that are amortized at a specific rate for a period of 10, 15, 20, 25 or 30 years without ever changing.
Loans that are amortized at a specific rate for a shorter period of time of 1, 2, 3, 5, 7 or 10 years and become adjustable after that term. Most ARMs have caps in which they cannot exceed. ARMs generally have lower rates than the average fixed rate, and are recommended for first-time homebuyers.
A mortgage in which only the interest is paid for a certain amount of years (usually 10 or 15). After that time the payment increases as the principle portion is added to the payment. Typically offers a lower payment.
A refinance with no additional cash taken out of the equity of your home. Typically used to lower a payment or lower the length of your term.
Refinance your home and trade the equity for a sum of cash that you need for whatever you need.
A Cash-Out Refinance in which the cash is used to improve your home.
A Cash-Out Refinance in which the cash is used to pay off other debts.
We offer programs that enable you to get rid of PMI payments once and for all. There are many options available for this situation, including an adjustment to your rate in which you can write the difference off on your taxes or waiving the appraisal on your property thus eliminating PMI.
A program in which we do not require an appraisal. It has to be a Rate-Term Refinance (no cash out) and typically the minimum credit requirement is 700 or better. This is one way to eliminate PMI or save money on the appraisal fee.
Loans that reduce the rate and payment on the mortgage. Most programs have a streamline process depending on the entity the how the loan is secured.
We offer loans to those who have homes in rural areas with neighbors that are miles away.
Currently VA and Rural housing offer 100% financing for the purchase of a home. FHA also considers some forms of down payment assistance which can help purchase a home with little or no money down
We offer refinancing programs that enable you to become the owner of the house you currently rent, lease, or are a part of a contract to buy. This closes in generally half the time of a traditional purchase.
We offer investment property loans up to four units.
FHA insures mortgages in order to help borrowers with limited credit or down payment money purchase a home. VA insures mortgages for military veterans in order to help them purchase or refinance a home with less red tape.
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