Home Mortgage Loan Programs

Get the details on Debt consolidation and many more home loan programs.  Home equity loans, refinance, home improvement loans and more are explained here.

If we don't offer it, it probably doesn't exist.

Commercial Loans and Lenders

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FannieMae Conforming Loan Limits
1 Family Home - $417,000    2 Units - $533,850   3 Units - $645,300   4 Units - $801,950 Loans over these limits are called JUMBO.

Home Equity Loans	100% to 107% LTV	Interest Only Loans
Debt Consolidation Loans	Rental Property Loans	Sub-Prime Loans
Home Improvement Loans	15 - 30 Fixed - Conforming	125% Loan to Value
No Income/Asset Verif.	15 - 30 Fixed - Jumbo	Hard To Do Loans
Bad Credit Loans	Adjustable Rate Loans	No Points / No Fees

Lock in a rate at at today's pricing to protect yourself against a rise in interest rates. Then... if rates decline, you may do a one time re-lock at the lower rate with no lock-in fee! You may re-lock anytime prior to final lender approval submission at your request!  more info.

Conforming 30 & 15 yr. Fixed & Adjustable Rate Mortgages

Refinances or Purchases.

Cash out for any purpose.

No prepayment penalties.

"Buy downs" and rebate pricing available.

Loan amounts to $359,650 single family. See Fannie Mae loan limits above.

Up to 95% loan to value.

2-3-5-7 yr. fixed then to 1 yr adjustable rate available. Same as above plus....

Rate caps, Low Qualifying Rate, Big Savings!!

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Jumbo 30 & 15 yr. Fixed & Adjustable Rate Mortgages

Refinances or Purchases.

Cash out for any purpose.

No prepayment penalties.

Loan amounts to $2 Million.

Up to 90% loan to value.

2-3-5-7 yr. fixed then to 1 yr adjustable rate available. Same as above plus....

Rate caps, Low Qualifying Rate, Big Savings!!

* See Rates                        Quick Application                         Back to Top

100% LTV Purchase and Refinance

Loan amounts to $500,000

Cash out refinance to $400,000

Credit score of 580 +

Stated income possible

Debt ratio to 45%

Up to 10 acres

103% and 107% Purchase and Refinances

1-2 units - PUD, condos, modular

Up to $650,000 on purchases

Cash out refinance $400,000

Amounts over 100% to go to closing costs and debt payoff

Min. credit score for 107% is 680

Min. credit score for 103% is 600

Debt ratio to 45%

1-2 units - PUD, condos, modular

Up to 10 acres

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Interest Only Loans - 15 - 30 Yr. Fixed Rate Programs

Loan Amounts to $1,000,000

1 - 4 Family Units

Townhomes and Condos OK

Second homes and Rentals OK

Refinances and Purchases

LTVs to 95%

Interest Only payments for 10 yrs. on 15 & 30 yr programs

Interest Only Loans - Variable Rate Programs

No Income Verification - OK

Same as fixed program

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1st / 2nd combo loans

Up to 100% loan to value.

Purchase and refinance.

No down payment!

Less than perfect credit ok.

No mortgage insurance.

Impounds for taxes & insurance not required.

NOTE: We also have 1st mortgages to 107% LTV  W/O Mortgage Insurance!      The extra can go toward closing costs and debt reduction for qualifying.

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125% loan to value - 2nds

Up to 125% of home value.

Ok for debt consolidation & cash out for any purpose.

Flexible terms available.

Loan Amounts to $100,000

Credit score and income used to qualify.

* See Rates                        Quick Application                         Back to Top

Rental Property Loans  - Non Owner Occupied

Cash out refinances.

Use cash for any purpose.

Up to 90% loan to value!!

Purchase or refinance loans.

Stated income qualifying to 80% loan to value.

1 to 4 family units.

* See Rates                        Quick Application                         Back to Top

"Sub-Prime" Self-employed and Bad Credit Mortgage Loans - Our specialty!

We can place loans for almost any situation at rates that are fair.

Available for purchase and refinance. Cash out refinances too.

Owner occupied and non-owner occupied.

Self employed less than a year.

Can't prove income.

No income qualifying available.

No asset disclosure for down payment / closing costs.

High debt ratios ok.

Bank statements vs. tax return documentation.

Stated income qualifying available.

No documentation loans.

Bad credit ok.

Recent bankruptcy ok.

Foreclosure ok.

Up to 95% loan to value in some cases!

Due to the nature of these loans, it's important that we have a full understanding of your unique situation before quoting. A counselor will discuss your situation with you and come up with a program that meets your needs at the best rate. Please call 1-888-485-4855 or submit our Quick Application form with detailed comments for pre-approval  and / or quotes.                                                           Back to Top

No point - No fee loans

Available on most loan programs.

By accepting a slightly higher rate you can avoid points and fees.

Sometimes a good idea, sometimes not.   See article on No Fee Loans.

Depending on your circumstances this option could cost you more.

We can help you analyze your situation so you can compare options.

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No income / No asset disclosure loans

Available for purchase and refinance. Cash out refinances too.

Owner occupied and investor properties.

Income not considered for qualifying.

No asset disclosure for down payment / closing costs.

Credit score used to qualify.

Get Quote                    Quick Application                    Back to Top

Home Equity Loans

Cash out for any purpose.

Owner occupied and rental property.

Up to 125% loan to value on owner occupied.

10, 15, 20, 25 & 30 Year Fixed Rate terms available.

Interest only and balloon notes available.

Fast, Easy qualifying.

Get Quote                    Quick Application                    Back to Top

Debt Consolidation Loans

Available on ALL refinance, home equity and NO equity loan programs.

Up to 125% of home's value.

10, 15, 20, 25 & 30 Year Fixed Rate terms available.

Adjustable Rate Programs available

Huge monthly savings.

Major tax advantages.

Available on owner occupied and rental property.

* See Rates                    Quick Application                         Back to Top

Home Improvement Loans

Available on ALL refinance, home equity and NO equity loan programs.

Up to 125% of home's value.

10, 15, 20, 25 & 30 Year terms available.

Huge monthly savings.

Major tax advantages.

Available on owner occupied and rental property.

See Rates                        Quick Application                         Back to Top

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