Loan Products

While we have over 213 different loan programs to fit your exact situation, our loans generally fall into the following categories:

CONVENTIONAL

• (With a variety of terms from 10 years to 30 years)
• Fixed Rate
• Adjustable Rate
• Interest-Only
• $0-Down Loans
• Owner-occupied & Investment Properties
• Combo 1st & 2nd Mortgages
• No-Income-Verification Loans
• No Documentation Loans

FHA

• (with a variety of terms from 15 years to 30 years)
• Various down payments available including $0 Down
• Fixed Rate
• Adjustable Rate

VA

• (For veterans and can include $0 down loans)

BOND

• (For those who have not owned a home in 3 years prior to application)
• The program will provide 4% down payment. If FHA/BOND loan and seller willing to pay closing costs, Buyer may get into home for nearly $0 money.

JUMBO

• For loans in excess of $650,000
• Fixed Rate
• Adjustable Rate

LONG-TERM LOCKS

• Excellent program for those building who want interest-rate protection during construction AND with potential to lock at lower rate - should rates drop just prior to closing - for nominal fee.