Mortgage Loan Products
We have teamed up with a network of lenders to provide loan products to suit your needs. Whether you are a first-time homebuyer, existing home owner looking for a new home purchase, wanting to pull equity from your home, or simply trying to find a better rate, we have a loan for you.
Veterans Administration (VA)
We are proud to offer VA home financing to those who serve or have served our country. VA loans are specially designed with exclusive benefits for Veterans, Active servicemembers, and certain spouses of those who have served.
- No Down payment
- Credit as low as 600
- No monthly MI
- Purchase, Cash out Refinances or Streamlined Refinances (IRRRL)
- Renovation option available
Conventional
The most popularloan product that allows borrowers to choose up to a 30 year loan term. Conventional loans can be either fixed-rate or adjustable-rate.
- as little as 3% down
- Competitive MI rates
- MI eliminated at 80% LTV
- 1-4 units
- Primary residence, second home, and investment properties
Federal Housing Administration (FHA)
Loan program insured by the Department of Housing and Urban Development (HUD) that requires low down payment, allows higher debt to income ratios and has flexible credit requirements. This program is ideal for borrowers that do not qualify for a Conventional loan product.
- Down payments as low as 3.5%
- Flexible qualification
- MI paid through life of the loan
United States Department of Agriculture (USDA)
USDA is a great program for borrowers in rural areas with up to 100% financing. This is a great program for eligible properties that removes the down payment requirement.
- No Down payment
- No minimum FICO with AUS approval
- Low to moderate income
- 30 year fixed-rate
- Rural properties only (eligibility requirements apply)
- Available for purchase, rate and term refinance, and streamline refinance
Delayed Financing
Delayed Financing allows you to pay cash for your house and then recoup your investment without waiting for the purcahse transaction to season.
- No seasoning requirement (typically 210 days)
- Source of funds used for purchase must be verified
- LTV determined by current appraisal
- Must have purchased the house within the preceeding six months
Flex term Loan
Customize the perfect loan without resetting the mortgage clock. Flex Term provides borrowers with flexible options to select their amortization term.
- Available on all Conventional, FHA, and VA loans
- Terms available from 8-30 years
