Products

Conventional Loans

Conv. 30 Year Fixed

Conventional Loans are sold to Fannie Mae or Freddie Mac, although you will make your payments to a different servicing lender. These loans are allowed up to 97% of the appraised value.

Term: 30 years

Maximum Amount: $417,000

Conv. 20 Year Fixed

Conventional 20 Year loans are available up to a 97% LTV.

Term: 20 years

Maximum Amount: $417,000

 

Conv. 15 Year Fixed

Conventional 15 Year Fixed loans are available up to a 97% LTV.

Term: 15 years

Maximum Amount: $417,000

 

HARP 2.0

HARP 2.0 Relief Refinance 30 Year Fixed

HARP 2.0 Relief Refinances are available for some borrowers. Contact us for more information or see our FAQ!

Term: 30 years

Maximum Amount: $417,000

HARP 2.0 Relief Refinance 20 Year Fixed

HARP 2.0 loans are available on a 20 year term as well so you can shorten the life of your loan and save on interest costs!

Term: 20 years

Maximum Amount: $417,000

HARP 2.0 Relief Refinance 15 Year Fixed

HARP 2.0 loans are available on a 15 year term so you can shorten the life of your loan and save on interest costs!

Term: 15 years

Maximum Amount: $417,000

FHA Loans

FHA 30 Year Fixed

FHA Loans are available for purchases with 3.5% down, and refinances with an appraisal up to 97.75% of the appraised value. For cash-out refinances, they are available up to 85% of the appraised value of your home. FHA also offers Streamline Refinance options with no appraisal requirements, and much lower documentation requirements as well.

Term: 30 years

Maximum Amount: Typically $342,700 (Depends On County)

FHA 15 Year Fixed

FHA Loans are available for purchases with 3.5% down, and refinances with an appraisal up to 97.75% of the appraised value. For cash-out refinances, they are available up to 85% of the appraised value of your home. FHA also offers Streamline Refinance options with no appraisal requirements, and much lower documentation requirements as well.

Term: 15 years

Maximum Amount: Typically $342,700 (Depends On County)

VA Loans

VA 30 Year Fixed

VA Loans are available to eligible Veterans with Zero down on purchases, and refinances with an appraisal up to 100% of the appraised value. For cash-out refinances, they are available up to 100% of the appraised value of your home, as well. VA Loans also allow for Streamline Refinance options with no appraisal requirements, and much lower documentation requirements as well.

Term: 30 years

Maximum Amount: Maximum Amount depends on Veteran’s entitlement but there is technically no maximum

VA 15 Year Fixed

VA Loans are available to eligible Veterans with Zero down on purchases, and refinances with an appraisal up to 100% of the appraised value. For cash-out refinances, they are available up to 100% of the appraised value of your home, as well. VA Loans also allow for Streamline Refinance options with no appraisal requirements, and much lower documentation requirements as well.

Term: 15 years

Maximum Amount: Maximum Amount depends on Veteran’s entitlement but there is technically no maximum

Jumbo ARM & Fixed

Jumbo loans are greater than $417,000 and are available for both purchases and refinances. We offer adjustable rate options as well as fixed options, depending on the client’s financial goals and risk tolerances.

Investor Hard Money & Renovation Loans

These are short-term loans made for the purchase & renovation of residential property. They typically are 6-12 month notes with construction funds taken as work is completed. They are appropriate for investors that want to “fix & flip” properties, or for investors that need to substantially renovate a property before renting it out to a tenant and converting to permanent financing.

FHA 203(k) Renovation Loans

These are FHA loans that allow the homebuyer to finance in certain renovations and remodeling projects totaling more than $5000. There are two different versions of this program, depending on what the homeowner needs to do to the property. They are available in 15 & 30 year terms.

Conventional Construction Financing

This program is typically used for a client that needs to build a home from the ground up. Funds are advanced to purchase the lot, and then they are distributed to the builder or contractor as the work on the property is completed. These are typically 6-12 month loans, and they will be converted to a permanent mortgage after the property is completed.

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