Products We Offer

With interest rates low and inventory high- now really is the time to buy!  If you’ve been thinking about purchasing a home but are worried about down payment money – a USDA Loan might be just right for you!

Call us today to see if this might be the perfect solution for you and your family!  

With experience integrity and a strong sense of community, we are proud to provide the following home mortgage options:

FHA

• Reduced down payment required – 3.5% of purchase price
• Gifts allowed for down payment
• 6% seller contributions allowed towards closing costs and prepaid items
• No income limits for borrowers
• Co-signors allowed
• Limited closing costs and fees

VA

• Open to active/former members of armed forces and widow/widower
• 100% financing available for those who qualify
• Limited closing costs and fees
• 4% seller contribution allowed towards closing costs and prepaid items
• No private mortgage insurance
• Streamline refinance available if you have an existing VA loan (minimal documentation required)

To see if your property qualifies for a VA loan visit: http://fhaoutreach.gov/FHAFAQ

USDA

• No Down Payment – Truly a 100% home loan
• No Expensive Mortgage Insurance – Keeps your monthly payment low
• No Cash Reserve Requirement
• No Minimum Credit History Requirement
• USDA 100% Financing is a top choice among First Time Home Buyers
• No Limitation to the purchase price
• May finance up to 102% of the appraised value
• Down Payment Assistance from non profits is acceptable
• Repairs may be financed up to 100% of the “as is” value
• No limits to the concessions the seller can make – seller paid closing costs
• Rates are typically lower than FHA Home Loans or Conventional Mortgages

Refinance

• Can be used for multiple purposes
• Lower your interest rate and monthly payment
• Debt consolidation
• Tap unused equity in your home
• Modification of loan terms (e.g. ARM to fixed rate)

Conventional – Fannie Mae / Freddie Mac

• Variety of program types offered
• Available for purchase and refinance transactions
• Can be combined with secondary financing