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 | Loan Programs Conventional: Purchase a home with a Fannie Mae or Freddie Mac loan up to $417,000 with no money down. Refinance your home up to 100% of the value of your home. Jumbo loans up to $2,000,000 with 10% minimum down payment. We offer Low fixed Rates and a wide range or ARM and Balloon Products, including interest only loans. 100% Financing: Purchase a home with NO MONEY DOWN. This program offers tax benefits, with no mortgage insurance options, and your money continues to work for you. Option Arms: Loan programs with start rates as low as 1%. With this loan program you decide your house payment. (Call today for details) Second Mortgages: Allow you to keep that low interest rate first mortgage while taking cash out to consolidate debts, make home improvements or invest it. First time Homebuyers: Special Financing available for First time Homebuyers with as little as 0% down. Gift funds are acceptable for source of down payment, prepaids, and closing costs. No Closing Cost Loans: Purchase or refinance your home and pay no closing costs. Save money and keep your future options open. If rates go down you can refinance again to a lower rate. (some restrictions apply) Construction to Permanent Loans: Build your dream home with a single loan for the construction, that converts to the permanent financing. Only one set of papers to sign, and only one set of closing costs. with as little as 5% down. Renovation Loan: Renovate your primary residence or your investment property or new home purchase based on the cost/value of proposed improvements. (loan to values and loan limits vary based on specifics) Permanent Resident Aliens: Loans available with as little as 5% with proper Identification. (W8 or W9, evidence of Permanent Residency from the INS, etc.) Second Home Financing: Purchase a Second Home using the same interest rates available for primary home. (down payment requirements may vary) Investment Property Financing: Purchase or Refinance investment properties of 1-4 units. Borrower may own up to 20 rental properties. No Documentation of Income or Assets: Self employed and salaried clients who choose not to verify sufficient income or assets can qualify for loans with a minimal down payment. No Mortgage Insurance or Reduced Mortgage Insurance: Special programs with combination 1st and 2nd mortgages allow for combined loan to values (CLTV) up to 100% with no or reduced mortgage insurance. All interest from both loans is tax deductible. Rate & Term Refinance: Refinances of interest rate and loan term are available up to 100% combined loan to value (CLTV). Cash Out Refinances/Consolidation Loans: Consolidate 1st and 2nd mortgages, receive cash out for debt consolidation, home improvements, etc. Loans are available up to 100% of the value of the home. Piggyback 2nd Mortgage: Avoid PMI by using combination 1st & 2nd financing up to 100% of the value of the home. Home Equity Lines: Equity lines available for up to a combined loan to value equaling 100% of the appraised value of the home. 2-4 Unit Properties: Owner Occupied properties with as little as 5% down, Investment properties with as little as 10% down. Stated income loans: Available for W-2 employees and Self-employed borrowers. Great rates!!! Non-Escrow Loans: Loans are available without an escrow account with as little as 20% down. Some fees apply. Loan Amounts to $4,000,000: Call for rates applying to mortgages over $650,000. Non-Permanent Resident Aliens / Foreign National: Primary Residence loans available with as little as 20% down with Visa allowing for one year of residency in the US. Second home and Investment home loans are also available 3375
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