Compare Loans



Fixed Rate Loans

  • 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.

  • Buy a home with as little as 3% down (primary home).

  • Refinance up to 95% of your primary home's value.

  • Monthly payments remain the same for the entire loan term.



Adjustable Rate Loans

  • 3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.

  • The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.



FHA Loans

  • 3.50% minimum down payment required on purchase.

  • Minimum credit score usually 580.

  • Post-bankruptcy qualifying - 2 years after.

  • Post-foreclosure qualifying - 3 years after.



VA Loans

  • Competitive interest rates that are routinely lower than conventional rates.

  • Sellers can pay up to 6 percent of closing costs and concessions.

  • Higher allowable debt-to-income ratios than for many other loans.

  • Down payment as low as 0%.



Construction Loan

  • Consolidate construction and purchase for only one set of closing cost and fees.

  • Pay just interest-only payments during construction.

  • Loan amounts up to $453, 100, or more in-high balance areas.

  • Rate can be locked at anytime during loan application/process.



Renovation Loan (203K)

  • Finance up to 96.5% of purchase price and renovation costs!

  • Appraisal completed on subject property reveals Post Renovation Value

  • Borrower has immediate access to future equity

  • FHA product has more flexible underwriting terms

  • Walue protection allows for deferred maintenance projects



Doctor Loan

  • Low down payment

  • Loan amounts up to $850,000

  • 5/1 and 7/1 adjustable-rate mortgage options available

  • Eligible borrowers include a medical resident (with educational license), medical doctor (MD), doctor of dental science (DDS), doctor of dental medicine or surgeon (DMD), doctor of optometry (OD), doctor of opthalmology (MD), doctor of osteopathy (DO), doctor of pediatric medicine (DPM)