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We have Hundreds of loan programs available to us through various lenders. The brief description that follows may help you determine which program best suits your needs.

Fixed Rate Mortgages

Your monthly principle and interest payment will not change over the life of the loan. You can get these loans in increments of 5 years up from 10 years up to 40 years! You are protected if rates go up and can refinance if rates go down. Due to recent rate volatility this has been the most popular mortgage available.

Adjustable Rate Mortgages (ARM's)

Some may choose this type of mortgage because the initial rate and monthly payment is lower than a fixed rate loan and the borrower may qualify for higher loan amounts. ARM's are available with initial fixed periods of one month up to 10 years. There is more risk involved in this type of loan since rates can begin to rise and the potential for higher future payments is greater.

First Time Home Buyer Programs

These loans have become very popular in recent years due to the fact they usually require a low or no down payment. Many times the fixed rate is only slightly higher than a standard fixed rate loan. These loans may be subject to income and property value limitations.

Reduced Documentation Loans

These loans are very useful when the borrower cannot or does not wish to document his income or liabilities. These loans require good credit and a down payment (sometimes substantial). They are sometimes referred to a Stated loans or No Doc loans.

Imperfect Credit Loans

This type of loan is useful to borrower who have had past credit problems. We have programs that require a minimal down payment with credit scores as low as 580 and only require the borrower to be out of (discharged from) bankruptcy one day. These loans have higher interest rates, but they allow the borrower to take advantage of increasing property values by buying a home now!