The payments on
fixed rate mortgages remain constant
throughout the life of the loan. Adjustable rate
mortgages (ARMs) generally start out with a rate that is lower than a
comparable fixed rate loan, allowing some buyers to afford a more expensive
home. However, the interest rate will adjust up or down at specified intervals
depending on market conditions.
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Interest Only
loan products are an easy way to improve your cash flow and are a popular
alternative to traditional mortgages. Interest Only loans allow you the
flexibility of paying only the interest due on the loan rather than
paying both interest and principal each month. Most of these loan products
allow you to pay extra if you choose.
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Zero Down 100% financing loan programs may be available for investors &
homeowners. 100% financing is commonly used by borrowers that don't want
to put down large amounts of money to purchase a property, first time
homebuyers, investors, and homeowners that would like to refinance and
convert the equity in their homes to cash that can be used for many
purposes.
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Stated Income/No Doc Loans
If you're
self employed, you know it can be difficult to obtain mortgage
financing with most lenders. We make it easy! We have several loan programs
available for self employed borrowers including stated income programs and
"no doc" loans that don't require W2s, paystubs or tax returns in order to
finance your loan.
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A home equity
line of credit (commonly called a HELOC) works just like a checking
account using the equity in your home as your available loan amount. You're able to
write checks off your line of credit as needed, and you only pay interest
on your outstanding balance - not the entire credit line amount.
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If you're
interested in refinancing to remodel your existing home or make some
repairs, this program may be for you. We also have loans available for
those looking to purchase a "fixer upper" home in need of rehab, repairs
or cosmetic updates, which fund the purchase and remodel of the
property.
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Just because
your credit score's not the best doesn't mean you don't deserve a great
home
loan with reasonable rates and fees. We offer home loans to borrowers with
credit scores as low as 500, loans as soon as 1 day after
bankruptcy
discharge, and our rates and fees are some of the most
competitive in the mortgage industry.
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We offer some
of the most creative and competitive investor financing. High
Loan-to-Value Investor Financing may be available with FICO scores as low as 620. Several
other investor loan programs are also available. Our investment property
loan specialists can help you choose the loan that meets your needs best.
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Construction & Land Loans:
We offer
several choices in new home construction, land and lot loans. Whether you
are hiring a general contractor, building your home on your own or simply
purchasing land or a lot, we have great loan programs and some of the best
rates and terms in the mortgage industry.
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Reverse Mortgages
Just as the
name implies, payments are reversed - the lender actually pays your
mortgage payment each month! Reverse mortgages are only available to
homeowners over the age of 62, and the amount of money you'll receive each
month varies depending on your age and the amount of equity you have in
your home.
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Low on Cash?
We have options
for you! We offer several different zero down 100% financing loan programs
that can help you purchase the home of your dreams without a nightmare
down-payment. You also have the option of rolling your closing costs into
your loan for a true zero out of pocket closing.
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Are you ready
to find out more about how we can help match you up with a home loan program
that meets your needs? Contact Us or fill out
a no obligation prequalification form today. No up front credit checks or
social security numbers required!
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Some of our
most popular loan programs are detailed above.
Click here to browse our complete loan program library.
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