Our Exciting Financial Programs
We can get you the loan program that is suited to your financial needs. Our access to hundreds of loan programs enables us to offer you more choices… a choice that best fits your UNIQUE situation.
We understand how stressful home-buying and home refinancing can be, so we pay attention to all the details and ensure that you get what you want.
You are NOT simply a loan account member but a partner with a name. When you call our office, you will immediately speak to one who knows you by name and is familiar with your file.
Here are some of the exciting programs we offer to make your dreams a reality!
Dynamic Debt Reducer
Loan programs designed to meet the needs of clients who have had credit issues, bankruptcies, collections, etc. (free prequalification)
Conventional, Conforming, And Turbo Fixed
Depending on your home-ownership needs, you may opt for a 10,15,20,25, or 30-year loan. (free prequalification)
3/1,5/1,7/1,10/1, ARM
The first number represents the number of years the rate will be fixed at the initial interest rate period. After which, the loan converts into an adjustable rate loan. The second number tells you that the interest rate will adjust once every year after the initial fixed rate period.
Interest Only
With an Interest Only Program, you only pay INTEREST using the initial interest period and this allows you to lower your monthly payment, qualify for a larger loan amount and free cash up for investing or paying down debts.
40-years Fixed
This program offers lower monthly payments than the 30-year mortgage and allows respite for while you are in between jobs or in transition. However, this will cost more over the life of the loan because you will pay interest 10 years longer. Use this scheme as a way to prequalify for a loan or allow you to buy a home that you can afford.
No MI, No Prepayment Penalty Programs
This is a great program available to those who have retained excellent FICO scores. It allows you to take advantage of favorable markets and interest rate without having to worry about prepayments. This will drastically lower your closing cost.
VA, FHA, and Government Loan Programs
Programs designed to reward the service of veterans and those in government by giving them 15 and 30 year fixed rate terms with temporary interest rate buy-down plans and providing favorable terms than is not normally allowed under conventional loan programs.