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