We Offer a variety of loan programs to meet your needs.

• CONFORMING LOANS • NO POINTS, NO CLOSING • ADJUSTABLE MORTGAGES • LIMITED DOC PROGRAM • FIRST TIME HOME BUYER PROGRAM • JUMBO LOANS • HIGH DEBT RATIO LOANS • CONSTRUCTION/REHAB LOANS • 2ND MORTGAGE LOANS • LESS THAN PERFECT CREDIT

CONFORMING - These are loans that go up to $417,000. They are Fannie Mae and Freddie Mac. Allowable loan terms are 30, 25, 20, 15, and 10 years. Back to Top

NO POINTS, NO CLOSING LOANS - Have no up-front charges except for escrows and prepays. Back to Top

ADJUSTABLE MORTGAGES - These loans all have margins, indices, and caps, which are disclosed with every adjustable mortgage. They can be conforming or jumbo loans. Back to Top

LIMITED DOC PROGRAM - This is a fast track program with limited documentation needed. Back to Top

FIRST TIME HOME BUYER PROGRAM - These programs are customized for the first-time home buyer. Back to Top

JUMBO LOANS - These loan start at a loan amount of $417,000 and offer 30 and 15 year fixed rate mortgage and competitive ARM products with full document, alternate documentation and limited documentation.
Cash out and No cash out refinance are allowable.  Single family detached, Condo’s, PUD’s and single-family second homes can be financed with no prepayment penalty. Back to Top

LESS THAN PERFECT CREDIT – These mortgages are for the credit challenged. They can vary from slightly damaged credit to severely damaged. Whatever the situation we have a mortgage that will get you back on track. Back to Top

2ND MORTGAGE LOANS – Subordinate to the first mortgage these loans offer the borrower the ability to get money for home improvement, debt consolidation or many other reasons without disturbing their first mortgage. Convenient when you have a low interest first mortgage. Back to Top

HIGH DEBT RATIO LOANS - Borrowers having the ratio of their monthly bills to their monthly income higher than 50% is considered a high debt ratio.  Loan programs are available for these borrowers, allowing them to finance the purchase of a home or property. Back to Top

CONSTRUCTION/REHAB LOANS - Building a new home or rebuilding a home can be an exciting prospect - unless you get caught up in a construction/rehab loan approval process that's overly complicated and time consuming. We offer a one time fixed rate closing or the traditional ARM products. Back to Top