Fixed Rate Loans

  • 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.
  • Buy a home with as little as 3% down (primary home).
  • Refinance up to 95% of your primary home's value.
  • Monthly payments remain the same for the entire loan term.

Adjustable Rate Loans

  • 3/1, 5/1, 7/1 and 10/1 ARM's. Monthly payments based on a 30 year repayment schedule.
  • The rate stays fixed for the first 3, 5, 7 or 10 years (depending on chosen term), and then adjusting annually thereafter.

FHA Loans

  • 3.50% minimum down payment required on purchase.
  • Minimum credit score usually 620.
  • Post-bankruptcy qualifying - 2 years after.
  • Post-foreclosure qualifying - 3 years after.

VA Loans

  • Competitive interest rates that are routinely lower than conventional rates.
  • Sellers can pay up to 6% of closing costs and concessions.
  • Higher allowable debt-to-income ratios than for many other loans.
  • Downpayment as low as 0%.
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