Loan Programs

Most programs can be done with little or no cost! Purchase or Refinance

Fixed Rate: 40, 30, 20, 15

Adjustable Rate: 10/1, 7/1, 51, 3/1
These adjustable rate loans have a fixed period where the rate and payment stay the same for the fixed period. In addition an Interest only option is available for the lowest payment.

Low down payment purchases:
As little as 3% down payment!
Gift for down payment is O K.

Refinance:
Get cash from the equity in your home for any reason
Up to 90% LTV.
Change from ARM to Fixed rate.
Debt consolidation, lower your monthly payments and improve your cash flow.
Consolidate your first and second into one loan.

Investment property: Purchase or refi. Most programs available.

Stated income programs: Hard to document your income? Call. Some programs may be avalable.

Home Equity Loans:
Usually a fixed rate.

Home Equity Line of Credit:
Interest only payments based on the Prime rate.