Finding the right financing is the first step to getting the home of your dreams.  Below are some common loan programs that I can help you secure:

Loan Programs Advantages 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 6 month 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 Balloon Mortgages 7 year 5 year Lower initial monthly payment Lower payment over a shorter period of time Many balloon mortgages offer the option to convert to a new loan after the initial term. First Time Buyer Programs Lower down payment Easier to qualify Sometimes you may get lower rate Stated Income Programs Don't need to verify income Faster approval No point, No fee Programs No closing costs Less money required to close Imperfect Credit Programs 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 Loan 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 0 down Piggyback loans 80-10-10 or 80-15-5. No PMI payments even with 5% or 10% down. Debt consolidation programs Home Improvement loans Qualify even if you may have been turned down before!