Loan Products

We offer both fixed and adjustable rate terms, so if you don't see what you are looking for just contact one of our Mortgage Loan Officers for additional assistance. Choose your convenient location above. You will find our prequalification and/or application request is quck and easy. Below are a few of the most popular options.

CONVENTIONAL FIXED RATE MORTGAGES

Provides fixed interest rate for life of loan; adjustable rate also offered
10, 15, 20 and 30 year terms available
Occupany for primary, secondary or rental purpose
Loan Amounts up to $484,350
Offers rehabilitation financing to assist with purchase transactions

JUMBO FIXED RATE LOANS

Provides fixed interest rate for life of loan; adjustable rate also offered
10, 15, 20 and 30 year terms available
Occupancy for primary, secondary or rental purposes
Loan Amounts >$484,350

FHA (Federal Housing Administration)

Provides fixed interest rate for life of loan; adjustable rate also offered
15 and 30 year terms available
Loan amounts vary by property county location
Minimum down payment available
Allows gift funds with no borrower funds from the borrower

VA (Veterans Administration)

Provides fixed interest rate for life of loan; adjustable rate also offered
15 and 30 year terms available
Up to 100% financing available depending on loan amount requested
Available to qualified veterans, active duty, reserves and National Guard personnel
Flexible qualifying criteria

USDA

Provides fixed interest rate for life of loan
Affordable option for first time homebuyers or existing homeownwers with a growing family
Refinance options available with certain limitations
Property eligibiilty and income limits apply; contact us for eligibility determination
No down payment with very little money out of pocket

In addition to our popular standard loan products above we also offer a choice of unique options to assist you if find yourself outside of the typical qualifying guidelines. One of the following may fit your current financing needs.

Full Doumentation and Bank Statements(Product 1)

Up to 95% loan to value with no mortgage insurance, credit score starting at 720
Up to 90% loan to value with credit scores starting at 660
Owner occupied and second homes
4 years seasoning for foreclosure, short sale, bankruptcy, or deed-in-lieu
One year tax return program available
Interest only offered

Investor Cash Flow “no income” program (perfect for investors)

Up to 80% loan to value
Credit scores starting at 660
Must have housing history and own a primary home
Qualification based on property cash flow

Full Documentation and Bank Statements (Product 2)

Up to 90% loan to value with no mortgage insurance, credit scores starting at 660
Up to 85% loan to value with credit scores starting at 600
Owner occupied, 2nd homes and investment properties
Assets used to qualify available

Borrowers With Recent Credit Issues

Up to 90% loan to value (purchase, no cashout refinance, debt consolidation)
Up to 85% loan to value with cashout refinance
Credit scores as low as 500 (including loan amounts over $484,350)

No Income Asset Program

Up to 75% loan to value
Credit scores starting at 700
Primary residence only

*These are just a few of the highlights for the unique products. Other qualifying factors may apply.

*Primary residence, credit score starting at 720 allowing for 4 years seasoning for foreclosure, short sale, or bankruptcy
*Primary residence, credit score starting at 700 qualifying, option known as the ASSET QUALIFIER
*Owner occupied, 2nd homes and investment properties, credit score starting at 600, 2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu, known as the BANK STATEMENT PROGRAM
*Owner occupied, 2nd homes and investment properties, interest only available with a credit score starting at 500, one year tax return program available
*Owner occupied, 2nd homes and investment property, interest only option, with credit scores starting at 660