Conforming long-term, fixed-rate and adjustable-rate loans that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines. 40, 30, 25, 20, 15, and 10 year loan terms available for most conforming fixed-rate products.  Financing can be for single family up to 4 units on conforming loans.

* Rates subject to change based on individual credit and income scenarios.

These loans start with an interest rate that is below a fixed rate mortgage, and could allow you to buy a more expensive home. A caveat, however, is that the interest rate changes at specified intervals; if interest rates go up, your monthly mortgage payment will go up, too. However, if rates go down, your mortgage payment will drop also.

There are also mortgages that combine aspects of fixed and adjustable rate mortgages - starting with a fixed-rate for five years, for example, and then converting to an adjustable rate. 

If you are a military veteran or active military looking to purchase a home with no money down, you're in luck if you qualify. VA mortgage loans can be guaranteed with no money down. An added bonus? No private mortgage insurance requirement with a VA guaranteed loan. The VA even offers help for those looking to refinance. Don't investigate these benefits without asking for information about the interest rate reduction loan, part of something called the Streamline Refinancing Program, which allows veterans to refinance at little or no expense to them. We can give you all the details you'll need to take full advantage of your VA home loan benefits

Need to refinace an existing VA loan?  We can do a Streamline Interest Rate Reduction Loan (IRRL).  Most times no income verification and appraisal is needed. 

Call us for more information.

FHA is one of the last remaning low down payment programs designed for first time homebuyers.  A minimum of 3.5%  downpayment is required.  The borrower's downpayment may come from a number of sources. The 3.5% requirement can be satisfied with the borrower using their own cash or receiving a gift from a family member, their employer, labor union, non-profit or government entity. Non-occupying co-borrowers are also allowed on this loan program.

Call us for more information regarding FHA financing.

One of the last 100% loans available.  Section 502 loans are primarily used to help low to moderate income individuals or households purchase homes in defined rural areas.  Buyers must not currently own any real estate and must qualify based on lenders minimum credit scores and income guidelines. Call for information if the home you are planning on buying meets this criteria. 

If you are a homeowner age 62 or older and have paid off your mortgage or have only a small mortgage balance remaining, and are currently living in the home, you are eligible to participate in FHA's reverse mortgage program. The Home Equity Conversion Mortgage (HECM) is FHA's reverse mortgage program which enables you to withdraw some of the equity in your home. You choose how you want to withdraw your funds, whether in a fixed monthly amount or a line of credit or a combination of both.

You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing.

Call us for more information.

Commercial lending is highly customized. Many components of the loan that include index, margin, amortization, term, and fees are customized based on the risk profit analysis made by investors. Below are some available commercial loans:

• Office
  Office buildings with single or multiple office tenants.
• Retail
  Properties with a mix of tenants. Retail properties may include grocery or drugstore anchored centers, strip centers, enclosed malls, or specialty retail uses.
• Multifamily Mortgages
  Properties with five or more individual household units including appartment complexes.
• Mixed-Use
  Properties that integrate and combine residential spaces with other uses, including retail and office.
• Light Industrial
  Single or multi-tenanted spaces used for warehouse, manufacturing, distribution, or research and development
• Commercial Construction
  Construction loans for any of the above uses and for high-rise residential or commercial buildings.