30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.
Buy a home with as little as 5% down (primary home).
Refinance up to 95% of your primary home's value.
Monthly payments remain the same for the entire loan term.
3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.
The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.
3.50% minimum down payment required on purchase.
Minimum credit score usually 620.
Post-bankruptcy qualifying - 2 years after.
Post-foreclosure qualifying - 3 years after.
The lender pays full origination fees to broker which means ZERO points to you!
ALL of your closing cost FEES are covered from a lender credit which means no money from you!
We can even refund you the Appraisal Fee.
12 Month Bank Statement Programs to calculate income
Higher Debt-to-income ratios up to 50%
Credit scores as low as 620
Flexible credit standards for derogatory history
Borrower up to 80% of the value of the home
Loan amounts up to Super Jumbo
Cash out up to 70% of the value of the home
US Credit is not required
Credit scores as low as 500
Down payments as low as 20%
No prepayment penalties
Competitive interest rates that are routinely lower than conventional rates.
Sellers can pay up to 6 percent of closing costs and concessions.
Higher allowable debt-to-income ratios than for many other loans.
Down payment as low as 0%.
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