Every borrower has a unique situation. Instead of simply placing our clients into the basic fixed-rate or adjustable-rate categories, we offer creative and inventive programs to suit any need. Here is just a small listing of some of our programs:

INVENTIVE PROGRAMS

$0 Down Payment: This program is available on both conforming and jumbo loans. Move into your home with nothing down and simply make your monthly mortgage payments. It's a great loan for first-time homebuyers or borrowers with little or no cash reserves.

No Income Verification: This loan allows you to obtain a mortgage without submitting tax returns, paystubs or any proof of income. You'll be qualified based upon your credit, bank accounts and other assets. This loan is valuable for borrowers that have money but no job, or for borrowers that don't want to disclose their employment or income.

No-Document Loans: Sometimes known as a "Signature Only" loan, it is just as easy as it sounds. With good credit, we don't need to verify your income, employment, assets, available funds, etc. All you do is sign and move in.

Custom Construction and Renovation: We'll help ease the process of building your custom dream home by financing the construction from dirt lot to completion.

Lot Loans: Finance with a low down payment on vacant land for investment or future construction.

Interest-Only Loans: This unique loan program allows you to make a monthly mortgage payment that covers interest but will not result in principal reduction. Since the interest-only payment is lower than the traditional mortgage payment, it allows you to afford more home than you may otherwise qualify for.

Bridge Loans: Want a no-hassle move or relocation? We will allow you to qualify for a new home without first selling your existing home. Even better, we will lend you the money for your down payment on the new home!

Impaired Credit Loans: Loans for those with a late payment history or even a recent bankruptcy or foreclosure. Many people who thought they couldn't qualify for a mortgage are surprised to find that we can make it happen.

Investment or Rental Property Financing: Own an income-producing property with as little as 5% down.

TRADITIONAL PROGRAMS

Fixed-Rate Loans: A non-changing interest rate available with 30 year, 20 year, 15 year and 10 year options.

ARM - Adjustable-Rate Mortgage: These 30-year loans are available with a deeply discounted interest rate that is fixed for 1 month, 3 years, 5 years, 7 years or even 10 years. After the initial fixed-rate period, the ARM loans will adjust up or down based on a market index. This program offers tremendous interest savings for those that may pay off their loan early or plan to sell the home in 10 years or less.

Balloon Loans: This is a 30-year fixed-rate program that offers a discounted rate for 5 or 7 years. After the initial 5-7 years, the loan can convert to the then existing fixed rate.

FHA and VA Loans: These are 0-3% down government- insured loans available as a fixed or ARM product. It's a great loan for first-time homebuyers, or with those that can't make a sizable down payment.