Refinance quickly without an appraisal.
Our FHA team is experienced to get your FHA loan funded quickly.
More flexibility with FICO scores.
Your friends and family can help finance your dream home.
Take Advantage of low rates with a conventional purchase.
This is the most utilized mortgage program.
30, 20, 15, and 10 year mortgages available.
Conventional loans offer low mortgage rates to save you money.
Choose between fixed options and adjustable options.
For the men and women that served us, we serve you by offering our best product.
Purchase or refinance at 100% of the home’s value.
Let our VA team guide you through a fast and easy process.
Receive your VA loan quickly and easily today.
A Jumbo Mortgage is designed to allow consumers who are purchasing bigger homes to take advantage of today’s low rates. If you are able to afford a more expensive home but haven’t saved up enough money to bring the loan down to conforming limits, or you’ve found the perfect home but it happens to be in a higher priced neighborhood, this mortgage program is made for you!
Our highly trained staff understands the complexities of multi-stream incomes and knows how to use your financial picture to your advantage.
Jumbo Mortgages range from $417,000 to $2 million.
Provides the convenience of one loan for the entire loan amount, with a variety of options.
Jumbo Mortgage rates have reached historic lows, and interest on loans up to $1 million is tax-deductible.
That’s right! This program offers 100% financing for qualifying members.
Unlike other mortgage programs, the USDA program doesn’t require a homeowner counseling course to qualify.
USDA Rural Loans can be used by first-time buyers and repeat home buyers alike.
Via the USDA, you can finance 100% of a home’s purchase price while getting access to better-than-average mortgage rates.
Compared to other conventional mortgage programs, these programs allow qualified homebuyers to put less money down on their home.
Moving can become an expensive endeavor. With less down, you will be able to spend more of your cash on things your home needs!
Since homebuyers are allowed to put less towards their down payment, they may be able to afford a larger home that they previously didn’t qualify for.
At least one of the homebuyers will be required to attend a home-buyer education course.
Planning to buy a fixer-upper? This program combines your construction loan and your mortgage into a single home loan, which saves money in closing costs and simplifies the home renovation process.
Combine your renovation loan and your mortgage into a single home loan, which limits your loan closing costs.
The 203k loan combines the traditional “home improvement” loan with a standard FHA mortgage, with loan amounts of up to $625,500.
The 203k loan is available to both buyers and refinancing households.
The Streamlined 203k loan is for less extensive projects and costs are limited to $35,000. Traditional 203k loans do not have a construction loan size limit.
Over 2.5 million have taken advantage.
Even if you are underwater on your loan.
It’s now easier to qualify than ever before.
We have an expert in-house to help you.
For a fixed period of time, you save on interest costs and pay more towards your principal.
After your initial rate period, your interest rate will be adjusted based on the type of program that you choose.
Lenders give you a discounted rate up front because they know the rate will float with the market later on.
If you expect mortgage rates to decline, ARMs can work towards your advantage.
A fixed-rate mortgage is exactly what it sounds like. It’s a mortgage for which the interest rate is fixed for the life of the loan. Fixed rate mortgages are available in multiple terms. The most common loan terms are 30 year, 20 year, 15 year, and 10 year loans. The monthly payment on a fixed-rate loan is inversely proportional to its term. The more years in a loan, the lower its monthly payment.
Fixed-rate mortgages are safe because you never have to worry about your interest rate possibly going up.
As fixed-rate mortgage rates have dropped in recent years, the relative value of an ARM’s low starting mortgage rate has diminished.
Your mortgage payment is set on Day 1 of your home loan, and never changes until the loan is paid-in-full. Some homeowners may prefer this type of certainty.
See today’s rates and compare your loan pricing. Rates are available online, at no cost, with no obligation, and with no social security number required to get started.
With a reverse mortgage, no payment is made.
No credit score or income requirements.
Loan is insured and regulated by FHA.
Get the extra cash you need with a government insured reverse mortgage.
This program waives the FHA’s 3-year waiting period to buy a home if you’ve experienced a foreclosure, short sale or deed-in-lieu.
You can use the Back To Work program along with the FHA 203k Home Renovation program, or along with the New Construction program. You can also be a first-time home buyer or a repeat home buyer.
This program waives the FHA’s 2-year waiting period to buy a house if you experienced a Chapter 7 or Chapter 13 bankruptcy.
This program can be used by anyone who’s experienced a pre-foreclosure sale, short sale, deed-in-lieu, foreclosure, Chapter 7 bankruptcy, Chapter 13 bankruptcy, loan modification, or someone who has entered into a forbearance agreement.
The FHA 580-620 Program was designed to promote homeownership amongst those who are financially stable, but whose credit doesn’t necessarily reflect it. Whether you’re a first time home-buyer or recovering from the recent recession, this program is here to help you take advantage of today’s low rates, even if your credit is “Less Than Perfect”.
A traditional mortgage genuinely requires a 620 credit score.
The borrower will be required to have 6 months of mortgage payments as assets in order to qualify. Gift funds are not accepted for reserve requirements.
The borrower is required to cover all down payment and closing cost funds.
The borrower must have the required reserve funds and closing costs in their bank account, untouched, for at least 6 months.
Create the building blocks towards great credit by making your payments on-time.
Showing an established trend of on-time payments builds a case towards being approved for a mortgage.
Courses are held by non-profit counselling agencies, as well as offered online, that insure first-time homebuyers are prepared for their first big investment.
You will be required to have two months of mortgage payments as assets in order to qualify. Gift funds are not accepted for reserve requirements either.
Credit scores less than 660 have been known to be approved with this program.
With the Home Path Mortgage, private mortgage insurance (PMI) is not required!
Downpayments on a Home Path Mortgage can be gifted from a family member, or made via a grant or loan from a non-profit organization, state or local government, or even from your employer.
That’s right! You are not required to have an appraisal the the Home Path Program. That saves you time and money!
A One-Time Close Construction Loan is a type of mortgage that is available for those that are building a house. By utilizing a One-Time Construction Loan, you will eliminate paying two sets of closing costs, and will know exactly what you are getting into before construction even starts.
If you were to get a traditional construction loan, you would have to go through two different closings during the process. This program offers only a one-time close.
You will know everything about the loan before you even start building.
Closing costs can add up. They will typically cost anywhere between $3,000 to $6,000 on average. This program offers the chance to save money by only requiring a one-time closing cost payment, rather than two.
Some people get a construction loan and then have to settle for a loan that they are not comfortable with just so that they can pay off the construction loan. But with the One-Time Construction Loan, you know exactly what you’re getting before construction even starts.
