Loan Programs

• FHA
• Conventional
• USDA Rural Housing "Zero Down"
• VA Mortgages
• High Debt Ratio Loans
• Investor Loans
• Credit Problems
• Jumbo Loans

FHA

FHA Loan. HUD insured. Requires 3.5% down but can be all gift. Also allows for family member to gift entire down payment. Down to scores as low as 580.

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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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USDA Rural Housing "Zero Down"

0% down payment required and closing costs paid by the borrower (seller can contribute up to 6% towards closing costs).

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VA Mortgages

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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High Debt Ratio Loans

A ratio of monthly bills to monthly income higher than 50% is considered a high debt ratio. Loan programs are available for borrowers in this situation, allowing them to finance the purchase of a home or property.

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Investor Loans

Used to finance 1-4 family properties that will be for investment with as little as a 10% down payment. Aggressively priced, these programs have many variations, including: No Doc, Limited Doc, and Full Doc. Program may not be available in some states.

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Credit Problems

Troubled credit? Bankruptcy? Been turned down somewhere else? We offer loan programs for customers with credit problems.

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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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