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Property Location
Home Description
Credit Profile
Type of Loan
Loan Program Benefits
10,15,20,25,30 - Year Fixed Rate
  • People who will not be moving within 5-7 years
  • People who want a conventional mortgage
ARM - Adjustable Rate Mortgages
  • Low rate and payment
  • People looking to move within 5-7 years
Jumbo's
  • People looking to refinance or purchase a home for over $417,000
80/20
  • 100% Financing
  • 100% Interest tax deduction
  • Avoid PMI costs
  • Fast approval

Loan Program Benefits
VA Program
  • Military service veterans
  • Retired/Active duty
  • Assumable loan
  • No PMI costs
FHA Program
  • 100% Financing
  • Less than ideal credit history
  • Will allow gift funds
  • First time home buyers
  • Will consider alternate credit

Loan Program Benefits
Community 100
  • Very LOW or NO down payment
  • Borrower contribution as low as 1% or $500
  • 3% Gifted funds
  • Home buyers education course
  • Best available 100% rates
New Start
  • People looking to repair credit and payoff debt
  • People who want one low payment
Option Power ARM
  • People who want flexible payment options monthly
  • Can add to principal when desired
No Doc
  • People who have great credit but can't verify income or assets
  • Reduced documentation
Stated Income
  • Great for self employed
  • Reduced documentation
PMI Eliminator
  • People who want to remove private mortgage insurance from their existing payment
  • People with less than 20% down