Loan Programs

• Conventional
• FHA Mortgage
• USDA
• VA Mortgage
• Large Acreage
• Reverse Mortgage
• Investor Loans
• Jumbo Loans

Conventional

Traditional loan programs that usually require 5% down and offer competitive interest rates. Documentation and fair-to-good credit are necessary

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FHA Mortgage

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 – and they can even finance “allowable” closing costs. Seller can contribute up to 6% of the purchase price to the buyer towards closing costs.

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USDA

Backed by the United States Dept of Agriculture, this mortgage offers a 30 year fixed rate with no mortgage insurance.

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VA Mortgage

Backed by the Veterans Administration and the federal government, it is similar to FHA except that you have to be a qualified Veteran or military person.

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Large Acreage

Up to 30 year fixed rate loan on properties with large acreage. Conventional rates and terms.

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Reverse Mortgage

Reverse mortgages are loans designed for seniors 62 years or over that enable them to access the equity they've earned in their home and turn it into tax free income. Also seniors get to stay in their homes for as long as they wish, making no monthly mortgage payments throughout the life of the loan. It is repayable only when the home is sold or permanently moves out.

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Investor Loans

Used to finance 1-4 family properties that will be for investment with as little as a 20% down payment. Aggressively priced. Program may not be available in some states.

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Jumbo Loans

Offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document, alternate documentation and limited documentation.

Cash out and No cash out refinance are allowable. Single family detached, Condo's, PUD's and single-family second homes can be financed with no prepayment penalty.

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