Because mortgage loans are uniquely individual, we offer a wide range of residential loan programs tailored to your specific needs including:

                      • Adjustable Rate Mortgages
          • Fixed Rate Mortgages
          • First Time Home Buyer
          • Debt Consolidation
          • Non-owner Loans
          • 100% New Home Financing
          • Construction & Home Improvement
          • Bad or No Credit

   Full Product Menu

   
 
10/15/20/30/40 Year Fixed
  Rate/Monthly payment remains fixed for time period chosen
 
3/5/7/10 Year ARM's
  Rate/Monthly payment remains fixed for the time period taken then adjusts annually based on a financial index
  6 Month to 1 Year ARM
  Rate/Monthly payment adjust each 6 months or annually
 
Choice Option ARM's
  Borrower has the option to pay interest only or principal & interest
 
VA (Fixed and ARM)
  Available to Veteran's only; 100% financing
 
FHA (Fixed and ARM)
  Government backed loan with minimum cash requirement from borrower of only 3% of sales price
 
No Income / No Asset Verification
  There is no verification for employment or assets
 

Stated Income /Verified Assets Mortgage

  The income is stated but not verified and the assets are stated and verified
 

Stated Income /Stated Assets Mortgage

  The income and the assets are only stated, not verified
 

No Ratio Mortgage
 

Income is not stated or verified. Assets are stated and verfied.
 
Interest Only / Interest First Mortgage
  Borrower has the option to pay interest only or principle + interest. Available with fixed rate programs as well as adjustable rate programs.
 
Subprime
  Loans for borrowers with “less than perfect” credit
 

First Time Buyer Program
 

Offers below market interest rates as well as down payment and closing cost assistance
 

No Income / No Asset / No Employment
 

Verification Mortgage (True “No Doc”). Income, assets and employment are neither stated nor verified
 

Subprime Mortgage Programs
 

Loans for borrowers with credit challenges
 

And Many More Loan Programs…      

   
 

There are numerous programs available. Too many to list! Please contact one of our mortgage planners to find a loan program tailored to your specific needs