Niche Programs |
Fixed Rate Mortgages
Deep discounts for excellent credit. 40,30,25,20,15,10 Year programs. Interest only option available on the 30 year only |
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Adjustable Rate Mortgages (ARMS)
Take advantage of lower rates if you plan on owning the property for only a short term.
*3/1 *5/1 * 7/1 *10/1
Interest only option available on all programs |
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Split Mortgages
Avoid Private Mortgage Insurance(PMI) with a split mortgage program, available on Fixed or ARMS
*80/20 *80/15 *80/10
*Interest Only option available |
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Balloon Mortgages
Rates slightly lower than ARMS. *5/25 *7/23 |
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Jumbo Mortgages
Loan amounts from $417,001 to $6,000,000
*40, 30, 20 or 15 Year fixed rates *3/1,5/1,7/1,10/1 ARMS
Interest only option available on ARMS |
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Second Mortgages
Available for home improvement or debt consolidation. *Home equity lines of credit *Closed end second mortgage up to 125% LTV |
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Stated Income Mortgages
Stated income options can be applied to Fixed Rate Mortgages, Arms, Split Mortgages, Jumbo Mortgages, and Second Mortgages. Interest only options if desired. |
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Types Of Stated Income
*Stated Income/Stated Assets(SISA)-proof of employment, no proof of assests *Stated Income/Verified Assets(SIVA) -proof of employment,proof of assets *No Income/ No Assets (NINA) no proof of employment or assets |
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Less Than Perfect Credit OK
Late Payments, past bankruptcy, past foreclosures. |
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