Lending Solutions

Fixed Rate Mortgages

30-Year Fixed
20-Year Fixed
15-Year Fixed
10-Year Fixed

Are you looking for …

Monthly payments are fixed for the life of the loan
Interest rate does not change
Protected if
rates go up
Can refinance if rates go down

Even though …

Rate does not drop if interest rates improve

Adjustable Rate Mortgages

10/1 ARM
5/1 ARM
3/1 ARM
1/1 ARM
6 Month ARM
7-Year Balloon
5-Year Balloon

Are you looking for …

Potentially lower initial monthly payment
Rates and payments may go down if rates improve
May
qualify for higher loan amounts
All ARMs available as interest only products

Even though …

Payments may change over time
Potential for high payments if rates go up

First Time Buyer Programs

Are you looking for …

Lower down payment
Easier to qualify

Stated Income Programs

No Asset / No Employment Verification Programs

Are you looking for …

No income verification
Faster approval

Even though …

Potentially higher down payment

Imperfect Credit Programs

Are you looking for …

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

Are you looking for …

Borrow what you need
Flexible access to funds
Interest may be tax deductible

Even though …

Payments can change

Home Equity Fixed Loan

Are you looking for …

Fixed payments
Interest may be tax deductible

Even though …

Must refinance to gain additional funds

Interest Only Products

Are you looking for …

Most of our products are available with interest only pay option periods for lower optional payments