LOAN PRODUCTS & PROGRAMS
Your mortgage shouldn’t be one size fits all.
Combined with our expertise, we have the best options to fit your specific home buying needs.
Loan Programs
Whether it’s a first home, second, vacation getaway, or investment property, it all starts with the right mortgage financing. See which loan program is best suited for you and your family.
CONVENTIONAL, FHA/VA LOANS
Bank statement loans
Great for self-employed borrowers who cannot use tax returns to qualify with rates as low as 4.5% for 30-yr fixed. Available for purchase loans up to 90% of the value with 30-yr rates around 6.0%.
No Income Loans
Used on investment properties where no income verification is used from the borrower to qualify, only the property cash flow matters. Rates are as low as 5.5% for 30-yr fixed for this program. If you have an investment property and you would like to get cash out, this is a great option for you.
Second Home Purchase
Many borrowers want to buy an additional property and investment property loans require more down payment and higher loan terms. Buying a second home is a good option. The borrower gets the best loan terms (3.0% or less) with as little as 10% down and can even collect seasonal rent on the property as a vacation rental.
The Power of Pre-approval
Did you know most home buyers get pre-approved for mortgage financing before they start shopping? Getting pre-approved can have many advantages for home buyers and can even expedite the buying process.
If you still have questions about your home buying options, feel free to give us a call at 888-781-0899.