These loans provide for 0% down payment from the borrower and can be fixed rate or adjustable rate mortgages.  They can be one loan with mortgage insurance or two loans (80% and 20%) without.  The borrower is still responsible for closing costs and reserves.  These are available on conforming and jumbo loan amounts

Traditional Fixed rate mortgage ammortized over 30 or 15 Years.  Conventional Conforming or Jumbo loan amounts (Jumbo = loan amounts over 359,650)

ARMs are loan programs that adjust with the market and can be fixed rates for an intermediate amount of time, ranging from monthly adjustments to 10 year fixed rates.  They are usually tied to an index (LIBOR, COFI, MTA).  They can also be used with an interest only loan program.

Note the Margin, Index, and Life Cap are subject to change without Notice

This in an exciting product designed for borrowers that need financing on primary residences, second homes and investor properties that have creative lending needs.  These are very flexible loan programs with very agressive interest rates.  Fixed Rate, Adjustable or Interest only programs available.

This is a government backed mortgage with maximum loan limits in different counties.  They allow borrowers to purchase homes with less money required out of pocket at closing.  Perfect for first time homebuyers and reverse mortgages.

This product allows for a lower monthly payment for the interest only on the loan.  No principal reductions are made.  However, most lenders will allow principal reductions*.  Interest Only is available with ARM and Fixed Rate products as well as one of the monthly payment options on the Option ARM.

*Subject to individual lenders guidelines.

These Loan Programs are available on Primary Residences, Second homes and Investment properties.  Fixed Rate and Adjustable mortgages available.  Credit Score requirements can be as low as 600 and vary depending on Loan to Value ratios.  Loan amounts can be as high as $2,000,000, and vary depending on credit scores and Loan to Value Ratios.  Combined Loan to Value Ratios can be as high as 100% depending on credit scores and loan amounts.

Stated Income- You tell us your income on loan application, no documentation required.  Owner Occupied Maximum combined Loan to Value 100%.*

No Ratio- Income is not disclosed on application and Debt to income ratios are not calculated.  Owner Occupied maximum combined Loan to Value 100%.*

Zero Documentation-  Income, Assets and Employment are not disclosed on loan application or in the loan file.  Owner Occupied maximum combined loan to value to 95%*.  Investment properties not allowed.

*All loans are subject to underwriting approval, loan parameters based on loan to value, credit scores and loan amounts.  Loans are subject to additional fees or add-ons.

This is the Hottest loan program in the mortgage industry, Today!  This Loan Program allows borrowers to choose the monthly payment they want to make.  Either a Deferred Interest Payment, An Interest Only Payment, a 15 year Fixed Payment or a 30 year Fixed Payment.  Call For more Detailed Information!

This product is for borrowers over the age of 62 that would like to redeem their equity in their primary residence without selling their home.  Payments are made to the borrower Tax Free monthly or in a lump sum.  There are no income or credit requirements to qualify!  Only property equity!

This product is for borrowers with a less than perfect credit history.  Designed to help borrowers obtain temporary mortgage financing while re-establishing credit profile.