Compare Loans & Programs

Fixed Rate Loans

  • 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 Loans

  • 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.

HARP Refinance Program

  • 125% LTV Max (i.e. $350,000 Loan/$280,000 Property Value)

  • 620 Minimum FICO Score

  • DTI (Debt To Income Ratio 55% Max)

  • Must be current on payments

FHA Loans

  • 3.50% minimum down payment required on purchase.

  • Minimum credit score usually 620.

  • Post-bankruptcy qualifying - 2 years after.

  • Post-foreclosure qualifying - 3 years after.

VA Loans

  • Competitive interest rates that are routinely lower than conventional rates.

  • Sellers can pay up to 6 percent of closing costs and concessions.

  • Higher allowable debt-to-income ratios than for many other loans.

  • Down payment as low as 0%.

FHA Insured Mortgage

In this type of loan, the Federal Government insures the lender against loss in case the home buyer defaults on the loan. This program was set up so that Americans who can't afford the 10% to 20% down payment required by most lenders can still buy a home. Many HUD Homes can bought with FHA-Insured mortgages, which allow you to purchase the home with as little as 3% down. You do not have to be a first-time buyer in order to qualify for an FHA loan.

Private Money Loans

These programs work on collateral based underwriting. The loan programs put more emphasis on the lendable equity in your property rather than on your credit. Low Credit Score is acceptable. Debt ratios are flexible. It is a make sense loans without red tape. People with Credit Challenges or Bad Credit are not the only people who apply for this equity based loans. Another reason people are turning to Hard Money Loans is because banks have made it harder for self-employed people to obtain loans due to the income verification regulations.

Apartment Loans

Financing for apartment buildings and multi-family properties with more than 5 units. Our lenders will provide several direct, highly competitive commercial real estate loan products for qualified properties with commercial mortgages from $500,000 up to $100 million plus.

Office Building Loans

Large or small office building financing available with competitive rates. Whether you need to refinance an existing office property or you need acquisition financing - our team of loan professionals can help you structure the office loan that meets your needs.

Hospitality & Hotel Loans

An important investment sector in the commercial loan market. Getting a hotel loan for a property is possible provided it meets some basic conditions, including that the property is well located and has a profitable operating history.

Retail Property Loans

Flexible lending programs for retail business owners and investors. Eligible properties include either anchored or unanchored single-story retail centers, as well as net leased single tenant properties with certain occupancy and sales requirements.

Other Loan Programs

Includes industrial & warehouse, self storage loans, gas stations, churches, smaller multifamily loans, and more... Please call us at 877-239-2754 to see if the loan type you are looking for is being offered.

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