Loan Programs
Fixed Rate Mortgages 30 year fixed 15 year fixed	Monthly payments are fixed over the life of the loan Interest rate does not change Protected if rates go up Can refinance if rates go down
Adjustable Rate Mortgages 10/1 ARM 7/1 ARM 3/1 ARM 1 year ARM 1 month ARM	Lower initial monthly payment Lower payment over a shorter period of time Rates and payments may go down if rates improve May qualify for higher loan amounts
No Doc Programs	No Income No Assets No Job Requirement
First Time Buyer Programs	Lower down payment Easier to qualify Sometimes you may get lower rates
No Income Programs	Don’t need to verify income Faster approval
No point, No Closing Costs Programs	No closing costs Less money required to close
Loans for all Credit Situations	Potential for reestablishing credit if you pay your mortgage on time. When used for debt consolidation, you may be able to reduce your monthly debt payment
Home Equity Line of Credit	You only borrow what you need Pay interest only on what you borrow Flexible access to funds Interest may be tax deductible
Home Equity Fixed Second Mortgages	Fixed payments Interest may be tax deductible

Besides our standard loan programs, we also have a large number of unique programs to serve your needs:

• Purchase a house with 100% Financing
• Piggyback loans
• Debt consolidation programs
• Investment Properties with 90% Financing
• Portfolio Programs for clients with unique circumstances
• Construction/Rehab and Home Improvement loans
• Qualify even if you may have been turned down before!

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