Choosing the Right Loan
Here are many questions to consider when you are choosing the right loan program for your needs. Our Loan Specialist will ask you to consider the following questions when making your decision:

• HOW LONG DO YOU PLAN ON LIVING IN YOUR HOME?
  If you plan on owning your home longer than 5 years, it may be wise to consider a Fixed Rate Loan. Your interest rate and payments will be set for the full length of the loan, typically 15 or 30 years. If you plan on owning your home less than 5 years you may want to consider an Adjustable Rate Mortgage (ARM). The initial interest rate on an ARM is typically lower than a Fixed Rate Loan, which will result in lower monthly payments.
   
• WILL YOUR FINANCES CHANGE OVER THE NEXT FEW YEARS?
   
• HOW MUCH OF A DOWN PAYMENT CAN YOU AFFORD?
   
• DO YOU WANT TO PAY OFF YOUR MORTGAGE QUICKLY?

• Purchase and Refinance.
• 0% down with Credit Score FICO as low as 580.
• Stated income, stated asset program (SISA).
• No income verification program with 0% - 5% down payment.
• Very liberal underwriting guideline that make you easier to qualify.
• Very competitive low income home buyer program.
• Special program for challenging credit and sophisticated borrower.