Residential Mortgage Programs

1-4 families owner occupied or investor purchase loans *
0% down - No Documentation Loans *
0% down - Stated Income Loans *
0% down - No Ratio Loans *
0% down - No PMI Loans *
103% - 107% LTV Loans – 0% down and finance up to 7% of closing costs & escrows
Fixed Rates: 8yr. – 10yr. – 15yr. – 20yr. – 25yr. – 30yr. – 40yr.
Adjustable Rates: 1yr. – 3yr. – 5yr. – 7yr. – 10yr.
Payment Option A.R.M.
Interest Only Loans
Jumbo & Super Jumbo Loans
Construction Loans - Use appraisal to determine end loan amount, with only one closing
2^nd mortgages up to 125% of value
Home Equity Lines of Credit
Reverse Mortgages
Commercial Loans
Mobile Home Loans
FHA / VA
N.H.H.F.A.
Bruised credit programs for purchases and refinances, (A- thru D Credit)
90, 120, 150, 180, 270 and 360 Day locks available
Capped rate with float down (your rate is capped and you can relock once free)**
Free relock option

Automated underwriting for Conventional and FHA
We approve, in house, unlike most, who require sending out the file for approval. This means a quicker approval and a faster closing.