Loan products

Types of Loan Programs

If you do not see the loan you want, ask us!

First Time Home Buyer:

• Minimum Down Payment.
• Adjustable and Fixed Rate Loans.
• 100% Gift okay for down payment. (20%)
• Marginal Credit- ALT A - SUB PRIME.
• Higher Ratios.
• NO PMI - Private Mortgage Insurance.
• No Down - 100% Financed - You state the income and you state the assets to $1,250,000.00 EZ DOC.
• FREE Pre-Qual / Approval.

Conventional:

• 100% Financing - No Down.
• 2nd Trust Deed Loans.
• 5% Down with no PMI.
• Adjustable and Low Fixed Rates.
• Jumbo EZ Qualifiers - Based on stated income.
• Equity Builder program pays off early, while at NO extra cost and low payments.
• FREE Pre-Qual / Approval.

Portfolio - Jumbo:

• 10% Down (No income, No asset).
• 100% Stated Income and Stated Assets.
• EZ Qualifiers - No Doc Loans.
• Up to 100%  loan amount to $1,200,000.00 with no PMI. Stated Income and Stated Assets.
• FREE Pre-Qual / Approval.

Rates change based on market condition. Please call us for latest rates.

"First the loan,
            then the home"