Compare Loans



Fixed Rate Loans

  • 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.

  • Buy a home with as little as 3% down without assistance or 0% down with down payment assistance!

  • Refinance up to 95% of your primary home's value.

  • Monthly payments remain the same for the entire loan term.



Adjustable Rate Loans

  • 3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.

  • The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.



FHA Loans

  • 3.50% minimum down payment required on purchase.

  • Minimum credit score usually 550.

  • Post-bankruptcy qualifying - 2 years after.

  • Post-foreclosure qualifying - 3 years after.



VA Loans

  • Competitive interest rates that are routinely lower than conventional rates.

  • Sellers can pay up to 6 percent of closing costs and concessions.

  • Higher allowable debt-to-income ratios than for many other loans.

  • Down payment as low as 0%.



Reverse Mortgage

  • Fixed Rate or Adjustable options

  • Monthly mortgage payment is not required (1)

  • Lifetime Monthly Income is an option

  • Line of Credit option provides a “safety net” for the unexpected



Specialty Programs

  • Bridge Loan – allows you to purchase before selling your current home

  • Jumbo Loans up to $5,000,000

  • Bank statement income qualification (no tax returns)

  • Past credit issues



Construction and Renovation

  • Lot/Land Loans

  • Residential Construction (Owner Builder and Contractor)

  • Builder Model and Spec

  • Renovation (Purchase and Refinance)

(1) The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance. The borrower must maintain the home.

This material is not from HUD or FHA and has not been approved by HUD or a government agency.