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FHA Purchase Loan Program

10.06.2015
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The Federal Housing Administration (FHA) has a number of purchase loan programs to help you become a home owner, and we can help find you the right loan program to suit your needs. There are lots of programs and options to choose from, but rest assured, that from start to finish, we know FHA and can get you the best loan for which you’re qualified. Since we are experts in FHA loans, you can be assured that we can make the process as smooth and efficient as possible.

-Credit scores as low as 580

-Debt to income ratio up to 57%

-Fixed rate, adjustable rate, and high balance loan options

-Only 3.5% down payment

-May be eligible for reduced wait times for bankruptcy and foreclosure

-Up to a 3% rebate of loan size to pay for closing costs and prepaid items

-Programs available only to qualified borrowers. Programs […]

Conventional Refinance Loan Program

9.06.2015
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The conventional mortgage program has a variety of options to help low and moderate income borrowers refinance an existing mortgage, including cash out and rate/term refinances. Programs available to get you the cash that you need to consolidate debt or refinance out of your FHA mortgage insurance payments.

-Cash out up to 80% loan to value

-Rate/term refinance up to 95% loan to value

-Debt to income ratio up to 50%

-One year’s tax return can be used to qualify at a higher income level

-Credit scores as low as 620

-May be eligible for reduced wait times for bankruptcy and foreclosure

-Programs available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions may apply […]

VA Refinance Loan Program

4.06.2015
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Current low interest rates and VA refinance loans are a winning combination to help you improve your financial strength. VA loans offer great features such as 100% LTV and credit scores as low as 550. Competitive rates and no mortgage insurance premiums may mean lower monthly payments than conventional loans.

-Cashout and rate/term refinances up to 100% loan to value

-No monthly mortgage insurance premium

-Up to 60% debt to income ratio

-Lender rebates available up to 3% of loan size for closing costs

-Credit scores as low as 550

-Variety of fixed and adjustable rate loan options available

-Programs available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions may apply […]

Conventional Purchase Loan Program

2.06.2015
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The conventional mortgage program has a variety of options to help low and moderate income borrowers purchase a home, including low down payment and eligibility for community seconds or standard subordinate financing.

-As little as 5% down payment. No money down payment option available if the loan is combined with a community second mortgage.

-Debt to income ratio up to 50%

-Credit scores as low as 620

-One year’s tax return can be used to qualify at a higher income level

-Owner occupied 1-4 Units, condos, and PUDs

-For single family residences, there is no minimum borrower funds contribution (gift funds up to 100% are acceptable)

-Programs available only to qualified borrowers. Programs subject to change without notice. Underwriting terms and conditions apply. Some restrictions may apply […]

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