Loan Choices

Finding the right loan program is just as important as the best rate. Here are some of the various loans most lenders have to offer you.

Fixed Rates
Home mortgage rates are the lowest they've been in years! It's the ideal time to buy or refinance you home, lower your payments and save a lot of money. Take advantage of the low fixed mortgage rates offered by lenders and build equity in your home today, before interest rates go up again.

Adjustable Rates
An adjustable rate mortgage (ARM) can be easier on your wallet, help you qualify for a larger mortgage, and could be much less expensive over time. It offers you a lower starting interest rate, which can give you lower initial monthly payments and make it easier for you to qualify. Payment caps and lifetime interest rate caps can protect you and help keep your interest rate and payments within your reach.

Alternative Programs
Don't want to document your income? Need down payment assistance? There are a wide variety of non-conforming loan products including no income verification, and no documentation loans. The best way to help determine your needs is to qualify here and use our network of industry professionals, including lenders, brokers, Realtors, and builders in your property area.

Home Equity Lines of Credit
Need some cash? Use your home's equity how and when you want! This is a line of credit secured by the equity in your home. It is an excellent plan when you simply want the money to be there in case you need it. For example, if you decide at any time that you want new furniture, a new car, to add a room, paint the house, or anything else you can think of, all you have to do is write a check. That's it. You pay no interest until you use the line. Plus, since this is a revolving line of credit, as you pay back what you borrow, the money is yours to use over and over again.

Another Chance
Dings in your credit? we understand that people have valid explanations for past credit problems - sickness, loss of a job, divorce, and other reasons. If your credit history has a few bruises or even if you've experienced a bankruptcy or other credit problems, we're willing to work with you. Use our fast application today to find out what rates and programs are available.

Avoiding PMI (Private Mortgage Insurance)
Looking to avoid Private Mortgage Insurance? Lenders require loans over 80% to carry PMI. Is there a way to get 90 or 95% financing without having PMI? YES! Plus there are other advantages you shouldn't pay mortgage insurance. Let one of our associates show how you can avoid paying PMI.

Plus the interest you pay on a home loan may be tax deductible. Check with your tax advisor.

To make your visit to our website a positive one, feel free to take your time looking around or simply fill out our 60 Second Loan Application and someone will contact you shortly.