Loan Programs

• Fixed Rate Loans
• Equity Loans
• USDA/VA Loans
• Investment Properties
• Stated Income Loans
• Damaged Credit Loans
• Zero Down Programs
• First Time Home Buyers
• Adjustable Rate Loans
• No Income/No Asset Loans
• Jumbo Loans
• Limited Documentation Loans
• Cash Out Refinance
• Option ARM's
• Fixed & Adjustable Rates
• Good Credit - Bad Credit - No Credit
• Interest Only Loans
• Debt Consolidation Loans
• No PMI Loans
• Second Home Loans
• Investor Loans
• No Doc Loans
• Construction/Perm Loans
• FHA Loans
• Purchase
• Refinance

Fixed Rate Loans

Fixed Rate Loans

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Equity Loans

Equity Loans

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USDA/VA Loans

USDA/VA Loans

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Investment Properties

Investment Properties

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Stated Income Loans

Loans where your income is not requested or verified with as little as 10% down are stated income loans. There are several varieties of the "no-doc" loan today. Basically the type of loan that is best suited for a particular borrower depends on that borrower's situation. Some borrowers choose not to disclose employment, income or asset information, while others may be willing to disclose employment and asset information but not income. Still others might be willing to disclose even income but select a program that doesn't calculate debt-to-income ratios allowing those borrowers to exceed the traditional guidelines in order to qualify for a larger mortgage amount. With all the different variations of the no-doc loan, there is definitely a mortgage program for today's non-conventional borrowers.

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Damaged Credit Loans

Troubled credit? Bankrupcy? Been turned down somewhere else? We offer loan programs for customers with credit problems.

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Zero Down Programs

Zero Down

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First Time Home Buyers

Fast, Free Pre-approvals! 95% to 100% financing. Many down payment assistance programs available to help you purchase your first home. Fixed and adjustable rate mortgages available.

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Adjustable Rate Loans

Adjustable Rate Loans

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No Income/No Asset Loans

No Income/No Asset Loans

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Jumbo Loans

Offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document, alternate documentation and limited documentation. Cash out and 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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Limited Documentation Loans

Limited Documentation Loans

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Cash Out Refinance

Cash Out Refinance

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Option ARM's

Option ARM's

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Fixed & Adjustable Rates

Fixed & Adjustable Rates

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Good Credit - Bad Credit - No Credit

Good Credit - Bad Credit - No Credit

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Interest Only Loans

An advance of money in which the installments pay only the interest that accumulates on the loan balance. The loan balance does not decrease with the payments. Usually the interest-only payments last for a limited period, after which payments rise and the borrower begins paying principal in addition to interest.

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Debt Consolidation Loans

Debt Consolidation Loans

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No PMI Loans

No PMI Loans

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Second Home Loans

Second Home Loans

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Investor Loans

Investor Loans

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No Doc Loans

No Doc Loans

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Construction/Perm Loans

Construction/Perm Loans

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FHA Loans

Backed by the Department of Housing and Urban Development this mortgage offers the borrower the ability to put as little a 3% 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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Purchase

Owner occupied, Second homes or Non-owner. We have many programs with competitive rates and fees.

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Refinance

Rate reduction or cash out. What ever your need we have a variety of programs that offer competitive rates and fees.

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