Loan Programs

• Conventional
• Jumbo Loans
• Second Mortgage Loans
• Construction Loans
• Investor Loans
• FHA Mortgage
• Flex 97%
• VA Mortgages

Conventional

Traditional loan programs that usually require 5% down and offer competitive interest rates. Documentation and fair-to-good credit are necessary.

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Jumbo Loans

Offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document.

No cash out refinance are allowable. Single family detached, Condo's, PUD's and single-family second homes can be financed with no prepayment penalty.

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Second Mortgage Loans

Subordinate to the first mortgage, these loans offer the borrower the ability to get money for home improvement, debt consolidation, or many other reasons without disturbing their first mortgage. Convenient when you have a low interest first mortgage.

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Construction Loans

Building a new home can be an exciting prospect - unless you get caught up in a construction loan approval process that is overly complicated and time consuming. With this loan, we will finance up to 80% of the cost of land plus the costs of construction.

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Investor Loans

Used to finance 1-4 family properties that will be for investment with as little as a 20% down payment. Program may not be available in some states.

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FHA Mortgage

Backed by the Department of Housing and Urban Development, this mortgage offers the borrower the ability to put as little as 3.5% down payment – and they can even finance “allowable” closing costs. Seller can contribute up to 6% of the purchase price to the buyer towards closing costs.

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Flex 97%

Similar to FHA, but with higher maximum mortgage amount limitations. Must be a single family, owner occupied home and borrower must have good credit.

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VA Mortgages

Backed by the Veterans Administration and the federal government, it is similar to FHA except that you have to be a qualified Veteran or military person.

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