Please refer to our matrices, rate sheets and account executives for updated programs
currently in demand.
We offer a wide selection of more than 200 loan
programs. We can custom design a program to meet
the needs of almost any borrower having a 620
FICO score or higher.
Our wide array of hot niche programs, combined
with customer service, gives you every reason
to make us your One Stop Shop!
Contact your Account Executive for details and
special pricing.
Email ALL submissions to your Account Manager and "CC" your Account Executive on that Email. Then, we will fit your loan into the best program available! For email addresses, click on "Contact Us."
"HOT
Dream Loan" #1:
Conforming
Full Doc Only, 90% Financing
Purchase and Rate-in-Term
Interest Only
Max Loan Amount is $417,000
"HOT Dream Loan"
#2: Jumbo
Loan amounts from $417,000 and above
% Purchase & Rate-in-Term
75% Cash Out
DTI Max is determined by DU
"HOT Dream Loan"
#3: FHA (High in Demand!)
Contact us for updated programs
We are FHA delegated!
In addition to our "HOT Dream Loans",
we have many other loan programs for you to
choose from. Below is a list of some of the
various loan programs we offer, with a description
of each:
The traditional
30-year fixed rate mortgage has a constant
interest rate and monthly payments that never
change. This may be a good choice if you plan
to stay in your home for seven years or longer.
If you plan to move within seven years, adjustable
rate loans are usually cheaper. As a rule
of thumb, fixed rate loans may also be harder
to qualify for than adjustable rate loans.
When interest rates are low, fixed rate loans
are generally not that much more expensive
than adjustable rate mortgages and may be
a better deal in the long run, because you
can lock in the rate for the life of your
loan.
This loan is fully
amortized over a 15-year period and features
constant monthly payments. It offers all the
advantages of the 30-year loan, plus a lower
interest rate and you'll own your home twice
as fast.
The disadvantage is that, with a 15 year
loan, you commit to a higher monthly payment.
Many borrowers opt for a 30 year fixed rate
loan and voluntarily make larger payments
that will pay off their loan in 15 years.
This is often a safer approach than committing
to a higher monthly payment, since the interest
rate difference isn't that great.
