Loan Programs

Traditional loan programs that usually require 10% down and offer competitive interest rates. Documentation and fair-to-good credit history both are necessary.

Troubled credit? Bankruptcy? Been turned down somewhere else? We offer loan programs for customers with credit problems.

This is a loan which carries a second mortgage for up to 10% of the purchase price of the property. It is usually used when wishing to avoid PMI insurance or to keep your first mortgage under the FNMA/FHLMC limit to avoid Jumbo rates. The borrower puts down a 10% down payment and then finances a first mortgage up to the FNMA/FHLMC limit and a second mortgage of up to 10% of the purchase price.

Offers fixed rate mortgage and competitive Adjustable Rate Mortgage(ARM) products with full documentation required.

These mortgages are for borrowers with less-than-perfect credit. They can vary from slightly damaged credit to severely damaged. Regardless of your situation, we have a mortgage that will get you back on track.

A ratio of monthly debts to monthly income higher than 45% is considered a high debt ratio. Loan programs are available for borrowers in this situation, allowing them to finance the purchase of a home or property.

Subordinate to the first mortgage, these loans offer the borrower the ability to get money for home improvement, debt consolidation, or many other reasons without disturbing their first mortgage.

Finance Single Family or condo properties that will be for investment with fixed or Adjustable Rate options.

Backed by the Department of Housing and Urban Development, this mortgage offers the borrower the ability to put as little as 3.5% down payment.

When loan to value is greater than 80% & borrower does not wish to pay the Private Mortgage Insurance (PMI) this is an excellent program. The rate could be little bit higher because lender pays the Mortgage insurance premium.