Fixed Rate Loans
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30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.
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Buy a home with as little as 3% down (primary home).
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Refinance up to 95% of your primary home's value.
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Monthly payments remain the same for the entire loan term.
Adjustable Rate Loans
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3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.
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The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.
FHA Loans
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3.50% minimum down payment required on purchase.
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Minimum credit score usually 500.
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Post-bankruptcy qualifying - 2 years after.
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Post-foreclosure qualifying - 3 years after.
Physician Loans
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100% financing up to $1,000,000
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95% financing from $1,001,000 to $1,500,000
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No mortgage insurance
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Owner-Occupied
Down Payment Assistance
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100% financing for primary home purchase
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96.5% 1st Trust Deed & 3.5% 2nd Trust Deed
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Conforming loan amount
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620 minimum credit score