Home Purchases & Refinancing Programs

Conventional Mortgage Loan

Purchases & Refinancing:  Best pricing for interest rates on 30 year, 20 year, 15 year, 10 year fixed rate loans or 10 and 7 year adjustable rate loans.
Pick your amortization 8-30 years.

Veterans Affairs (VA) Loan

Purchases:  100% home financing for qualified veterans, no monthly mortgage insurance, loans are assumable.
Refinancing: Regular refinance to 95%, existing not need be VA. Streamline option (IRRRL) with no appraisal or income verification.

Federal Housing Administration (FHA) Loan

Purchases:   Home financing with only 3.5% down payment, require 620 credit score.
Refinancing: Regular refinance up to 97.75%. Streamline refinance option with or without appraisal, no income qualifying.

Rural Development (USDA) Loan

Purchases:  102% financing (with 2% fee) for area population sizes under 35,000, minimal annual fee paid monthly, household income restrictions per county.
Refinancing: Streamline refinance option without appraisal.

Home Possible Program

Purchases: 95% financing with reduced monthly mortgage insurance. Down payment can be gifted. County income limits apply.

HARP Program

Refinancing: 200% of first mortgage for Fannie/Freddie originated loans prior to June 2009, appraisal waivers in most cases, no mortgage insurance if none with existing loan.
Eligible properties include primary, 2nd home, and investment properties.

Jumbo Loans

Fixed or variable interest rate options for mortgages greater than $417,000.
Up to 90% financing available.

Mortgage Application

FDIC

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