WHICH MORTGAGE IS YOUR MATCH?
We offer a diverse portfolio of home loan products to meet the varying needs of our clients. Whether you are a first-time buyer, investor, self-employed, or high net worth, we can guide you towards your best financing solution.
Below is a snapshot of the popular loan programs we offer and the qualifications for each.
However, there is no substitute for a quick conversation with one of our loan specialists to learn more about your situation, so we can guide you in the right direction.
FIXED RATE MORTGAGES
- 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.
- Buy a home with as little as 5% down (primary home).
- Refinance up to 95% of your primary home’s value.
- Monthly payments remain the same for the entire loan term.
ADJUSTABLE RATE mortgages
- 3/1, 5/1 and 7/1 ARM’s Monthly payments based on a 30 year repayment schedule.
- The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.
- 3.50% minimum downpayment required on purchase.
- Minimum credit score usually 620.
- Post-bankruptcy qualifying – 2 years after.
- Post-foreclosure qualifying – 3 years after.
- Competitive interest rates that are routinely lower than conventional rates.
- Sellers can pay up to 6% of closing costs and concessions.
- Higher allowable debt-to-income ratios than for many other loans.
- Downpayment as low as 0%