Loan Programs

• Conventional
• FHA Loans
• $100 Down HUD homes
• Jumbo Loans
• Credit Problems
• Second Mortgage Loans
• Construction Loans
• Investor Loans
• Commericial Loans

Conventional

Traditional loan programs that usually require 10% down and offer competitive interest rates. Documentation and good credit are necessary.

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FHA Loans

FHA might be just what you need. Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be included in the loan. Available on 1-4 unit properties. Additionally, FHA has a loan that allows you to buy a home, fix it up, and include all the costs in one loan. Or, if you own a home that you want to re-model or repair, you can refinance what you owe and add the cost of repairs - all in one loan.

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$100 Down HUD homes

$100 down payment on HUD properties.

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Jumbo Loans

Offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document, alternate documentation and limited documentation.

Cash out and No cash out refinance are allowable. Single family detached, Condo's, PUD's and single-family second homes can be financed with no prepayment penalty.

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Credit Problems

Troubled credit? Bankruptcy? Been turned down somewhere else? We offer loan programs for customers with credit problems.

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Second Mortgage Loans

Subordinate to the first mortgage, these loans offer the borrower the ability to get money for home improvement, debt consolidation, or many other reasons without disturbing their first mortgage. Convenient when you have a low interest first mortgage.

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Construction Loans

Building a new home can be an exciting prospect - unless you get caught up in a construction loan approval process that is overly complicated and time consuming. With this loan, we will finance up to 90% of the cost of land plus the costs of construction. We offer a one-time fixed rate closing or traditional ARM products.

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Investor Loans

Used to finance 1-4 family properties that will be for investment with a 20% down payment. Program may not be available in some states.

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Commericial Loans

Loans for any commercial property

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