Residential Mortgages

 

Conventional Fixed Rate Mortgage – 10, 15, 20, or 30 year terms

  • Conforming loans, with balances of $453,350 or less
  • Established guidelines for credit, income and down payment
  • Require between 5% and 20% down

Call your local loan team member today

Adjustable Rate Mortgage (ARM) – 1/1 or 5/1 terms

  • Interest rate that changes (up or down) based on the index
  • Payments may increase or decrease based on shifts in the index
  • Lower initial payments
  • Designed for short term goals
  • Exception based underwriting

Call your local loan team member today

Construction Loan Program

  • Construction to permanent financing
  • Interest only payments during the construction period (up to 9 months)
  • Fixed or adjustable rate products available on term mortgage
  • One time closing

Call your local loan team member today

FHA (Federal Housing Administration)

  • A government-insured mortgage loan
  • Low down payment options
  • Credit leniency
  • Non occupant co borrowers permitted (parent or relative)

Call your local loan team member today

Relief Refinance

  • Refinance loans only
  • Federal program designed to help homeowners who are owe more than their house is worth
  • Aims to provide homeowners with better loan terms, lower rate & payment
  • Must be current on mortgage payments

Call your local loan team member today

 

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