Mortgage Loans

We can assist you with purchasing a home; or refinancing an existing mortgage.

Our options include Conventional, FHA, VA & USDA loan programs. See below for more details for each type of residential property.

    • (FHA) - Purchase Down Payment as low as 3.5%

    • Conventional Loans - Purchase Down Payment as low as 3%

    • ARM Loans - Purchase Down Payment as low as 10%

    • USDA - Zero Down Payment

    • VA - Zero Down Payment

    • FHA

    • Conventional

    • ARM Loans

    • VA

    • This loan offers fixed terms up to 30 years.

    • Requires as low as a 10% down payment.

    • To qualify as a Second Home, the property must be located at least 60 miles from primary residence.

    • The maximum loan amount is up to 90% of the appraised value of your second home.

    • Cash-Out option is available up to 75% of appraised value.

    • This loan offers terms of 10, 15, 20 and 30 years.

    • A down payment of 15% of the sales price is required.

    • The loan is for Single Family Properties to 4 unit properties. 2-4 unit properties may require a larger down payment.

    • Interest rates for this Mortgage Loan will typically be 1/2 - 3/4% higher than for a Primary Residential Property.

    • Requires 2 months Principal, Interest, Taxes and Insurance (PITI) in reserves.

    • Minimum credit score of 620 required.

    • The maximum loan amount is 85% of the property's appraised value if paying off 1st Mortgage only and 75% of the property is appraised value if the refinance is cash-out.

    • The minimum acceptable credit score is 620 or above.

    • Cash-Out option is available up to 75% of appraised value.

    • Borrower may have no more than ten financed properties including the primary residence and the current property being financed.