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We have a loan for just about every situation.



* Free Loan and Credit Analysis- No Up Front Fees.

* 1st & 2nd Mortgages for Purchase or Refinance

* Zero Down 100% - USDA Rural Developement Purchase Programs

* 3.5% Down Payment FHA Loans

* extra low rates for Great Credit FNMA conventional loans

* Good Credit - Slow Credit - Bankruptcy Programs

* Debt Consolidation or Home Improvement Programs

* 2nd Mortgages to 90% of Appraisal Value

* Contract for Deeds or Land Contract Programs

* Investment Property Programs

* self employed OK

* Easy On Line Application

 
FHA
FNMA
VA
USDA

FHA

FHA loans offer many benefits over conventional loans

 

  • they only require 3.5% down payment
  • you can have the seller pay up 6% of the purchase price in closing costs
  • we can go as low as 600 fico scores
  • we can cash out refinance up to 85% and rate and term refinance up to 97% of the appraisal value


Term: 30 years   Maximum Amount: $271,500

FNMA

FNMA loans are great for high credit score lower “loan to value” loans

  • they require 5% down payment
  • you can have the seller pay up to 3% of the purchase price in closing costs
  • we can go as low as 660 fico, but 720 or higher is preferred
  • we can cash out to 80% and rate and term up to 95% of the appraisal value

Maximum Amount: $417,000
 

* Any FNMA loan over 80% of the appraisal value requires PMI

* Any FHA 15 year fixed loan under 90% of the appraisal value has no PMI


VA

VA - Veterans Administration loan programs offer 0 down payment and no PMI

  • they require $0 money down, 100% loan to value
  • the seller can pay up to 6% of the purchase price in closing costs
  • we can go as low as 600 fico credit score
  • we can rate and term refinance to 100% loan to value


USDA

USDA - Rural Developement loans - offer 0 down payment and no PMI

  • they require $0 money down
  • you can have the seller pay up 6% of the purchase price in closing cost
  • fico scores as low as 620
  • we can rate and term refinance to 100% loan to value




Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $175,000 with closing costs of $0. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,001 with closing costs of $0. Your actual APR may be different depending upon these factors.