Loan Programs

FHA Program and Details
  • 3.5% Minimum down payment
  • 580 Minimum credit score
  • 56% maximum allowable total debt ratio
  • Government assistance allowable
  • Down payment assistance available
  • FHA 203k
  • FHA One Time Close New Construction Loan
  • FHA Streamline Refinance
  • FHA Cash-out Refinance

USDA Programs and Details

  • $0 Down payment available
  • 620 Minimum credit score
  • USDA One Time Close New Construction LoanUSDA Streamline Refinace
  • USDA Cash-out Refinance

VA Programs and Details

  • $0 Down payment available
  • 620 Minimum credit score
  • VA One Time Close New Construction Loan
  • VA Streamline Refinace
  • VA Cash-out Refinance

Conventional Programs and Details

  • 3% Minimum down payment
  • 620 Minimum credit score
  • HARP Loan
  • Conventional One Time Close New Construction Loan
  • Rate/Term Refinance
  • Cash-out Refinance

Portfolio Products

  • "One day out of bankruptcy" Program
  • "One day out of foreclosure" Program
  • Foreign National Program
  • Investor Cash Flow Program
  • Stated Income Program

In-House Investor Products (investment properties only)

  • 30yr & 15yr Fixed Rate, 3/3 ARM, 5/5 ARM
  • Rates as low as 6.25%
  • Up to 80% LTV on all purchases
  • Up to 65% LTV on cash out
  • Up to 75% LTV on Rate/Term
  • $25k minimum loan amounts!!

 

 

What kind of loan program is best for you?
Should you get a fixed-rate or adjustable rate mortgage? A conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.  Contact us today and find out what product is best for you!