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Featured Mortgage Loans to meet your needs:
We offer a full range of home loan products.
Featured below are some of the products designed to make home ownership accessible to borrowers in many different situations:
Affordable Housing Program:
Our exclusive homeowners program provides financing of up to 97% of your dream home's price.
We've extended the qualifying ratios to 34/40 and allow for seller concessions of 6% up to 95% loan to value and 3% up to 97%. To further assist buyers, we have
waived our reserve requirement, application, processing, underwriting, and or commitment fees. Borrowers making a 10% or greater down payment will pay no PMI. You
do not have to be a first time home buyer to qualify. Income, loan amount, occupancy and area restrictions do apply. Pre-Qualify
Dreamaker Program:
Our standard home buyer program allows for 97% financing on single family homes. Two family
properties can be financed at 95% and may be eligible for our payment reduction qualifying. Three and four family properties may be financed up to 90% and may also
qualify for payment reduction qualifying. Seller concessions of 6% are available up to 90% loan to value and 3% for higher financing. Income, loan amount and occupancy
restrictions apply. Pre-Qualify
Stated Income Loans:
Our Stated Income Loan is one of our most popular products for self-employed and wage-earning
borrowers:
- No Income Verification Used
- No Asset Verification
- No Source of Down Payment Required
- No Cash Reserves Required
- No Private Mortgage Insurance Required
- No Minimum Credit Lines
- Up to 100% CLTV on "B" or Better
- Available for All Risk Grades
- No Proof of Self-Employment on 75% LTV and Below
- 80% LTV with 540 Credit Score Available
- Mortgage Credit Only Available (We only review your past Mortgage History)
Apply Now
Affordable Jumbo Program:
For the buyer whose mortgage exceeds conventional loan limits we allow 100% financing up to $350,000.
Higher amounts available at reduced
loan to values.
Loans that do not conform
to the guidelines established by Fannie Mae or Freddie Mac or exceed the conventional loan limit are called Jumbo loans. These loan amounts can go up to 4 million
dollars. Loan to Value limits for Jumbo loans range from 60% to 100% depending on the loan amount.
- Purchases, Refinances, Cash Out for Home Improvements or Debt Consolidation, etc.
- Loan amounts range from $350,000 - $4,000,000
- 6 month Libor, 3/6, 5/6, 7/6, 10/6 Hibrid Libor ARMs
- Full/Alternative Documentation, Limited Doc and No Ratio, No Doc Loans available.
Apply Now
Zero and 3% down loans
We offer two ways to help you move into a new home without the usual 10-20% down payment. If you are a first
time home buyer with a strong credit history, you can qualify for special 15-year and 30-year fixed loans with just 3% down at very competitive rates. Can't meet the
requirements for a 3% down loan or want to put less down? Although the rates are higher, you can get a 30-year fixed loan, with no money down. Please note these products may
have a prepayment penalty. Apply Now
Less than perfect credit?
Had credit problems? Been delinquent on a couple of mortgage payments or filed for bankruptcy? Don't worry,
we have partnered with lenders with programs tailored to your needs. Just submit an application for the type of program you want and one of our Senior Loan Officers will
contact you to discuss your situation. Please note that the rates quoted on the site are for borrowers with excellent credit and will not be available to you. Apply Now
Hybrid loans
Hybrids give you the security of a fixed rate mortgage for up to 10 years and the lower payments of an
adjustable rate mortgage. Hybrid loans offer fixed rate periods of 3, 5, 7 and 10 years before converting to an adjustable mortgage for the remainder of the 30-year term.
Learn more about hybrid loans. Apply Now
80/10/10 loans
If avoiding PMI (mortgage insurance) is important to you, consider one of Our combination loans - known as
80/10/10 loans or 80/20's. You get a first mortgage for 80 percent of the loan amount, and a second mortgage at the same time for the rest. Call our loan specialists and we'll
help you decide if this kind of loan is right for you. Apply Now
Home equity loans and lines of credit
Tap into the equity that you have built up in your home to make improvements, pay off higher interest rate
credit cards, finance a car, or any other purpose. You can borrow up to 100% of your home's equity and the interest is typically tax deductible (please consult your tax
advisor). Apply Now
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