| Fixed Rates: |
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- Fixed Rate, Fixed Term – 30, 25, 20, and 15 year terms Fixed Payments
- 5/25 & 7/23 The interest rate is lower for the initial term and increases once for the remaining life of the loan
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| Adjustable Rate Mortgages: |
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- 1/1 The interest rate is reset each year based on a specific formula
- 3/1, 5/1 10/1 The interest rate is fixed for the initial term and and the end of the period converts to a traditional one year adjustable rate
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| Shorter Terms Adjustable Rate Mortgages: |
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| No Verification Loans: |
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- No Income
- No Asset
- No Employment Verification
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| Government Backed: |
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- FHA 203(b)
- FHA 203(k) Rehabilitation
- VA
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| Reduced Down Payment Loans: |
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- Affordable 97 requiring a 3% down payment
- Loans available at 103% to 107% of the property value
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| Self-Employed Programs: |
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- Specialized Loans offering cash flow advantages and liberal credit criteria
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| Jumbo and Super Jumbo Programs - Mortgage loans to 4 Million |
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| Loan Programs to Avoid Mortgage Insurance - 80/20 |
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| Non-Warrantable Condominium Programs |
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| Construction to Permanent Loans |
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| Cash Out Refinance Programs to 95% LTV |
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| Programs for Credit Challenged including recent Bankruptcy |
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