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Mortgage
Rates & Loan Programs
Low
Rates and Low payments
Second
Mortgage Loans
- Take
cash out for debt consolidation or home improvements
- Fixed
Rate Second Mortgage & Borrow up to 125% of your home's appraised value.
- Fixed
Rate Second Mortgage & Borrow up to 100% of your home's appraised value.
- Less
than Perfect Credit Second Mortgage & Borrow up to 100% of your home's appraised
value.
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Debt
Consolidation Loans
- Consolidate
your debt into 1 monthly payment!
- Debt
Consolidation Loan with a Fixed Rate & Borrow up to 125% of your home's appraised
value.
- Debt
Consolidation Loan for Less than Perfect Credit with a Fixed Rate & Borrow
up to 100% of your home's appraised value.
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Home
Equity Loans
- Take
cash out for debt consolidation or home improvements!
- Fixed
Rate Home equity Loan & Borrow up to 125% of the value of your home.
- Variable
Rate Home Equity Line of Credit with a & Borrow up to 100% of your home's
appraised value.
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Mortgage
Refinance
- Lowest
Interest Rates in the U.S.
- Free
up cash for home improvements or debt consolidation.
- Borrow
up to 100% of the value of your home!
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Conventional
Loans These
are the most common types of first mortgages for consumers
with a 5%-20% down
payment and good credit. These loans are underwritten through common guidelines
set forth by Fannie Mae (or the Federal National Mortgage Association) and Freddie
Mac (the Federal Home Loan Mortgage Corporation.)
FHA
Loans Started in 1934, these are loans insured by the FHA. They
are generally a little easier to qualify for than conventional loans and may require
less of a down payment. Used often by first time home buyers.
VA
Loans Established in 1944, these loans are to assist eligible people
on active military duty or retired status to buy primary residences. Usually
No appraisal Required
Jumbo
Loans Any loans over $253,000 are considered Jumbo Loans. They
usually carry a higher interest rate and more money down than a conventional loan,
at least 20%.
Fixed
Rate Mortgages The interest rates on these mortgage are fixed for
the life of the loan. The 30 year fixed is most common with the 15 year fixed
popular with refinances.
Adjustable
Rate Mortgage (ARMs) The interest rate on these mortgages adjusts
every so often, using a common benchmark rate as means of calculating the change.
They usually carry yearly and lifetime caps for rate increases and decreases.
Our
Quick Quote System provides fast and efficient approval within 24 hours.
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