Loan Programs

Loan Programs:

Creative Financing

  • We specialize in unique financing situations.
  • 75% financing options for investor properties, purchases, and refinances. .
  • Rates as low as 3.50%!!.
  • Cut your current payments in half.
  • Multiple loans for self employed, part time, and W2’d employees
  • VA Loans 100% No Money Down
  • USDA Loans 102%  No Money Down
  • Extremely short and quick application. .

Lot Loans:

  • Loan Amounts to $,500,000 with Aggressive Pricing
  • 100% purchase with cross- collateralization
  • Primary or Second Home
  • LTV to 75% – purchase and rate/term, cash-out available if recouping dollars and if paid cash within last 90 days
  • Customer loyalty program – possible .500 back to you  when you come back to us for the CTP loan

Single Close Construction to Permanent Loans:

  • Construction to Perm – one time close with automatic modification to perm financing – zero fallout for your builder
  • Full Doc to $3,000,000
  • Doc types include Full doc, High Net Worth and Asset Based Income Program
  • Lock First Program – ability to lock upfront for 18 months (free float down at modification)
  • Lock After Program – allows borrower to float permanent financing interest rate until construction is complete
  • Full array of permanent products available including 3/1, 5/1, 7/1, s, 15 and 30 Year Fixed and I/O options
  • Future value used when property owned more than 12 months (it takes time to get plans, engineering, permits, etc., or in the case of a remodel, the borrowers have often owned the home for more than 12 months)
  • Pre-starts acceptable, i.e., construction started
  • On-line Construction Calculator will calculate equity requirements, reserve requirements, transitional ratios, max    loan amounts and more

Choices, Choices, Choices:

  • Low and no cost options available.
  • NO initial credit check. .
  • Start rate as low as 2.50% on adjustable programs.
  • We work with all types of credit. .
  • Owner, Non-owner, and multi-unit properties OK.

Conforming Loans:

  • Lowest Rates and no closing costs options.
  • Quick Closings
  • No downpayment purchase options.
  • Bad Credit Programs
  • Interest Only options available
  • 95% cash out refinance options available
  • High LTV construction loans

Jumbo Loans:

  • Asset Based Products
  • Past Credit Problems
  • Wide Variety of Purchase and Refinance Programs
  • Non-warrantable Condos
  • 80% Investment Properties 1 to 4 units

Slow Credit Loans:

  • Credit Scores down to 620, lowest case by case.
  • Past foreclosure or bankruptcy ok.
  • Wide Variety of Purchase and Refinance Programs.
  • 4 out of 5 approved!
  • No money down purchase programs.

Get Great Home Equity Loans:

  • Up to 89% of your homes value
  • Consolidate high interest rate debt
  • Low and no closing cost options
  • Possible increased tax advantages

Our mission is to exceed your expectations, with speed, simplicity and service!

Other Loan Programs:

Adjusted Rate Mortgages

Balloon Mortgages

Choosing

COFI

Fixed Rate Mortgages

Graduated Payment Method

Interest Rate Buydowns

Intro Rate ARMs

LIBOR

Standard ARMSs