LOAN PROGRAMS

We have a loan program that is right for you.  Our specialty ranges from Jumbo Loans, Conventional, FHA/VA to Subprime.   We'll give you the flexibility and the best personalized service to complete your home purchase or refinancing needs. Conventional Loans Construction and Lot Loans Pre-Approved Loans Non-Traditional Financing Our produts include: Fixed rate mortgages Adjustable rate mortgages with special options No downpayment/100% loan to value programs Balloon loans with as little as 5% down payment Second home and Investment purchase with 100& Financing Float Down Interest Rate Options giving you the ability to re-lock at a better rate before closing

	PROGRAM DETAILS
		Fixed Rate: 10,15, 20, 25 or 30 years Monthly payments fixed Interest rate doesn't change Can refinance if rates go down
		Adjustable Rate: 1/1, 3/1, 5/1, 7/1 Lower initial payments Fixed rate for short period May qualify for higher loan amount
		Balloon Mortgages: 7 or 5 year Lower initial payments Many balloons offer option to convert to a fixed term after initial term
		Stated Income No need to verify income Faster approval & less paperwork Ideal for those that can't document Income
		Imperfect Credit Can help re-establish credit When used for debt consolidation, you can reduce monthly debt payments
		Home Equity Line of Credit Only borrow what you need Pay interest only on what you borrow Flexible funds access
		Home Equity Fixed Loan Security of a Fixed payments 100% Loan Paydown Ideal for 100% financing with no PMI