HOW TO GET APPROVED

Conforming fixed rate program for 30 year term.  Best rates available!

Flexible term options of 15, 20, 27 &  40 year terms so you are not stuck in a long term option anymore

ARM with lower rates for 3, 5 or 7 years terms.  Can be used to lower your acquisition (purchase) costs for easier qualification, provide a lower payment for a home you will not be in long term or until your income increases.

3.5% down with Downpayment assistance programs available

Us this to consolidate your debt to a lower overall interest rate (works with high interest rate credit cards, auto loans and installment loans) to fix and update your home and get cash out for large purchases or investments. 

Lower fees and costs to close.  Works with reducing your interest rates for lower financing costs over the term of your loan.

An underwriter will manually review your application to determine if we are able to approve your loan with alternative guidelines and compensating factors.

This program will allow you to purchase a home that needs repairs and provide the additional funds to update or improve the home. 203 (K) combines both renovation expenses and financing costs into a single mortgage.  Renovations must start within 30 days and be completed within 6 months.  This loan is used for curb appeal, roofing and flooring, energy, plumbing,  efficiency & modernizing a homes functionality.

No 1099 required program either

okay on refinancing with 12-month history. The Property can be vacant with a 5% ltv reduction!