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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.
This loan program is an adjustable rate mortgage with added flexibility of making one of several possible payments on your mortgage every month, in order to better manage your monthly cash flow. Its low introductory start rate allows you to make very low initial mortgage payments and low qualifying rates enable you to qualify for more home. The minimum payment option can help keep your monthly payments affordable. If the minimum monthly payment is not sufficient to pay the monthly interest due, you can always avoid deferred interest by choosing the interest-only payment option With the Option ARM, you generally have at least two fully amortized payment choices, leading to a quicker loan payoff. If you prefer to pay off your loan on schedule, you can make the fully amortized payment based on a 30-year loan, or you can choose the 15-year payment option for the fastest equity build-up. In most cases, you can also make additional principal payments which reduce the amount you need to pay in later months. Option ARM loan programs are right for you if you'd like to own your property only for a short time, and prefer affordability and flexibility in your monthly payment. However, if you select the minimum payment option in the early years, you should be prepared for possible sudden increases in your monthly payments thereafter.
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.
A loan in which no income verification is needed. Typically needed for self-employed people who have a lot of business expenses, or for those whose income is considered too low in the lender’s opinion to make the payments on time. Par rates are available in this program for those with perfect credit.
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.
Programs in which closing costs are NOT added to the loan amount. This is limited to loans of $250,000 or more.
We offer loans to some individuals who have discharged a bankruptcy in as little as one month earlier. Please call us for details.
Programs in which you pay for a lower rate in either closing costs or out of pocket. HIGHLY recommended for those who plan on living in their homes for more than 10 years.
We offer loans to those who have homes in rural areas with neighbors that are miles away.
We offer loans to those who have no money to put down for a down payment or closing costs. For the first-time buyer, this is a major advantage that you have.
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 loans to those who are into buying investment properties with little or no money down. Typically, we finance homes that have 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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