Loan Products

Conventional Loans

  • 30-, 20-, 15- and 10-year terms are all available with fixed rate.
  • 5/1 | 7/1 | 10/1 ARM – Adjustable Rate Mortgage.
  • Interest only loans are available with LTV’s below 70%.
  • Private Mortgage Insurance required for loans above 80% loan to value.
  • Mortgage was sold to Fannie Mae or Freddie Mac on or before May 31, 2009.
  • Must be current on the mortgage with no late payments in the past 12 months.
  • Current Loan to Value is greater than 80%.

  • 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.
  • Buy a home with as little as 5% down (primary home).
  • Refinance up to 95% of your primary home's value.
  • Monthly payments remain the same for the entire loan term.

Goverment Loans

  • No appraisal needed.
  • No income verification.
  • Ability to receive your past loan escrow account balance back from previous lender.
  • Ability to finance Energy Efficient Improvements into the loan.
  • 620 Minimum Fico Score.
  • An explanation of the use of the cash proceeds required.
  • A cash-out refinancing loan is a VA-guaranteed loan that refinances any type of lien or liens against the secured property.
  • No out-of pocket costs.
  • No income verification.
  • Pay your loan off faster by going to a lower term.
  • No Appraisal Required.