We are here to make it simple, and to guide you through the process. As your trusted advisor, we will work with you to obtain the best possible loan for your family.
Fixed Rate Loans
- 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.
- Buy a home with as little as 5% 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, and 7/1 ARM’s. Monthly payments based on a 30 year repayment schedule.
- The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.
Adjustable Rate Loans
- 3/1, 5/1, and 7/1 ARM’s. Monthly payments based on a 30 year repayment schedule.
- The rate stays fixed for the first 3, 5, or 7 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.
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 percent of closing costs and concessions.
- Higher allowable debt-to-income ratios than for many other loans.
- Down payment as low as 0%.
VA Loans
- Competitive interest rates that are routinely lower than conventional rates.
- Sellers can pay up to 6 percent of closing costs and concessions.
- Higher allowable debt-to-income ratios than for many other loans.
- Down payment as low as 0%.