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- Conventional Fixed Rate Loans
These include low or no down payment options. With as little
as $500 out-of-pocket, you can purchase a new home.
- First-Time Homebuyer Programs
These programs offer low and no down payment options, as well as
credit and first-time homebuyer counseling.
- Alternative Lending
For anyone who has damaged credit or cannot verify sufficient
income. Alternative loans can help clear up credit or excessive
debt and assist in regaining good credit standing.
- Manufactured / Modular Loans including Construction
We offer a wide variety of land, home construction and permanent
loan programs including FHA loans, conventional loan programs,
alternative lending programs, and lease option.
- New Construction
Our new construction loans are single-close transactions.
During the construction phase, which is typically six months,
the loan will be on a one-year modifiable ARM Product.
Upon completion, the loan will be modified to the conventional
loan product of choice at no extra charge.
- Vacant Land
With as little as 10% down, land can be purchased so you can
build your dream home.
- FHA
Lower down payment requirements make these programs attractive
to a first-time homebuyer. FHA loans may also provide lower interest
rates than conventional mortgages. Both fixed and adjustable
rate mortgages are available under the FHA program.
- Investment Mortgages and Non-Owner Occupied Second Homes
Investment-purpose mortgages are popular if you're interested
in real estate as a factor in long-range financial planning or
retirement. While few banks or mortgage companies offer this
type of loan, we continue to offer both fixed and adjustable rate
plans to purchase or refinance existing mortgages or land contracts.
- Reverse Mortgages
A reverse mortgage is a special type of loan for homeowners age 62 or older which
converts the equity in your home into cash. The money from a reverse
mortgage can provide you with the financial security you need to fully
enjoy your retirement years.
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