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Fixed Rate Loans

  • The standard for fixed rate is 30-, 25-, 20-, 15- and 10-year terms but there are also flexible terms available between 10 to 30 years - you can pick the amortization. 11 years, 14 years, 26 years etc., whatever you want.

  • Buy a home with as little as 3% down (primary home).

  • Refinance up to 97% of your primary home's value.

  • Monthly payments remain the same for the entire loan term.



Adjustable Rate Loans

  • 3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.

  • The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.



FHA Loans

  • 3.50% minimum down payment required on purchase.

  • Minimum credit score usually 620.

  • Post-bankruptcy qualifying - 2 years after.

  • Post-foreclosure qualifying - 3 years after.



VA Loans

  • Competitive interest rates that are routinely lower than conventional rates.

  • Sellers can pay up to 6 percent of closing costs and concessions.

  • Higher allowable debt-to-income ratios than for many other loans.

  • Down payment as low as 0%.



USDA Loans

  • No Down Payment

  • Lower-Than-Market Interest Rate

  • Low Monthly Private Mortgage Insurance (PMI)

  • Flexible Credit Guidelines

  • Ability to Finance Upfront PMI

  • Down payment as low as 0%.



All-In-One Loan

  • With the All in One loan, monthly interest is computed on your average daily balance which will save you a significant amount of mortgage expense compared to a typical 30 year fixed loan.