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Home Purchase
The "80/20 Loan" with no PMI... Our most popular zero down loan, the "80/20" offers low payments, great
rates and no private mortgage insurance (PMI) required, thanks to a 80% first mortgage plus a 20% second mortgage.
Zero down for "bruised credit"... Even a credit score in the high 500s still qualifies you for no-money-down
financing. Refinancing in 2 years, once your credit score has improved, can lower the interest rate and reduce your payments.
The "103% Loan"... By covering some or all of your closing costs, this program requires the least amount
of cash to purchase a home. Includes fixed or variable rate and no prepayment penalty.
100% or 107% Loan to Value (LTV)... No PMI. Available on 30- and 15-year fixed-rate programs.
Fixed Period ARMs... Low-interest, adjustable-rate mortgages (ARMs) offer fixed payments (even interest-only)
for the first 3, 5, 7, or 10 years--appropriate for the length of time you plan to be in your home.
Option Pay ARMs... Gives you more power and flexibility over your monthly finances. Low monthly payments
with up to 4 different payment options each month.
Hard to Prove Income, Stated/Low Doc/No Doc... The perfect solution for the self-employed, business owners,
commissioned salesperson, tip earnings, fixed income and more.
Credit
Credit problems? No problem, we can help you fix your credit.
Refinance
The purpose of most refinance loans is to save money by minimizing your expense over the life of the loan or by minimizing
your near-term monthly payment. If you are considering refinancing your home loan, the first steps are determining your short-
and long-term goals and then evaluating the different types of refinance programs available to you.
Refinancing can:
- Lower your current interest rate
- Create cash flow
- Convert an adjustable rate mortgage (ARM) to a permanent fixed rate
- Convert a fixed interest rate into an ARM
- Turn equity into cash
- Convert to a shorter term
- Eliminate private mortgage insurance (PMI)
- Combine your first & second mortgages
Home Equity
You've discovered the pleasures of home ownership…but have you unlocked all of the benefits to the equity you've
built up over the years? Through fixed-rate loans and variable-rate lines of credit, we have enabled thousands of
homeowners to improve their homes and financial situations.
What are some of the most popular reasons for getting a home equity loan?
- Home improvement. Add on a room, remodel the kitchen, or put in a pool for the kids.
- Debt consolidation. Pay off those high- interest credit cards and student loans--and save.
- Extra cash. Take a dream vacation or finance your child's education.
Hot Loan Option
What are Hot Loan Options?
Hot Loan Options are loans that provide more flexibility to people who need it. These loans, also known as Libor
Arms, Option Pay and Interest Only Mortgages, were previously unavailable to everyone. Even now, not all lenders
allow the same type of flexibility in loan options that we do.
What are the benefits?
- More Home! You can afford more home for the same amount, in many cases with No Money Down.
- Build Wealth Today! Free up thousands of dollars to use towards education for you or your children, investment,
retirement, savings, security, you name it.
- Get rid of your mortgage! Let our Loan Analysts show you how to pay your home off in 7-12 years without
changing your budget and without increasing your payment.
Who can apply?
Because of the flexibility these programs are capable of, they can be tailored for your situation.
For example, if you have less-than-perfect credit we can provide flexible terms and will find you a loan that suits your
needs.
Or, if you have great credit, we make sure that you get terms that match your level of qualification.
Click Here To Fill out a quick app.
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