Loan programs

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Residential Conforming Loans Jumbo Loan Sub-Prime Loans FHA and VA Loans Low Fixed Rates Purchase or Refinance "A" to "D" credit Divorce mortgage buy-out No income verification No ratio loans Very aggressive pricing Best rates and programs Free pre-qualification Affordable interest rates Competitive Adjustable Rates Self employed ... ok 125% second mortgage

Credit problems understood No green card required No income questions asked Quality first mortgages Non-conforming loans Purchases or refinance Bankruptcy ok Debt consolidation Stated income only Expert loan consultation Timely performance Excellent reputation Fast closings Credit trouble ... ok 3% community home buyer program Incredibly easy mortgage No Asset Disclosure No Employment disclosure

CONVENTIONAL

Traditional loan programs that usually require 5% down and offer competitive interest rates.

80/20 mortgages that avoid MI Mortgage Insurance with 100% financing.

NO INCOME VERIFICATION

Loans where your income is not requested or verified with as little as 0% 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.

JUMBO LOANS

Offers 30 and 15 year fixed rate mortgage and competitive ARM productsincluding the Smart Mortgage Pay Option ARM 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.

CONSTRUCTION LOANS

Building a new home can be an exciting prospect - unless you get caught up in a construction loan approval process that's overly complicated and time consuming. With this loan we will finance up to 95% of the cost of land plus the costs of construction. We offer a one time fixed rate closing or the traditional ARM products.

INVESTOR LOANS

Used to finance 1-4 family properties that will be for investment with no down payment with special programs and fannie mae with 10% down . Aggressively priced these programs have many variations such as NO DOC, LIMITED DOC and FULL DOC.

 

Which Program is best for me?

Here are a few things to keep in mind when selecting a loan program.