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Fixed Rate Terms:10,15, 20, 25, 30 and 40yrs
Other programs available are:
- No Income Verification and Interest Only Payment Loan Programs Available
- 97.75% Financing with 3% Seller Concession   
If you have no equity in your home but need to refinance no problem!
- Ask About our "NO COST CLOSING COST LOAN"
- Your interest rate may vary depending on many factors including the state from which you are applying, your credit history, down
payment, loan amount, loan to value, property type and when you lock your interest rate.
- Rates are subject to change without notice until locked.
- Mortgage offers listed above require a minimum 10% down payment with a credit score of 720.
- Each state is subject to different rates and mortgage terms.
- VA loans don't require down payments.
- FHA Loans require a 3.5% down payment which can be provided by a gift from a relative.
- It is also possible to buy down rates meaning you would pay a fee to receive a lower interest rate.
- In most cases we can have your approval within 60 minutes.
- Please contact us or apply now for a custom quote. We can help regardless of your situation!
Miscellaneous:
* No Upfront / Application Fees * No Pre-Payment Penalty * No Origination Fees * No Rate Lock Fee * No Surprises
Our Mortgage Rates Consistently Beat The National Average
Apply online or call us.
A Loan Officer will contact
you by phone or e-mail to
discuss the terms.
Written confirmation will
then be supplied by either
fax or e-mail.
*There Is No Fee For This Service.
Call US (800)-870-1041
Program                                Rate       Points      APR     
30 Year Fixed                     5.375%     0.000%   5.375%         
15 Year Fixed                     4.990%     0.000%   4.990%   
 
Adjustable Rates:
FHA / VA Rates:
- FHA requires a 3.5% Down Payment but it can be gifted from a relative.
- We Have FHA Lenders That Go Down To a 540 Credit Score
- VA loans require No Down Payment and No Mortgage Insurance Charged.
Program                                  Rate        Points      APR     
5yr ARM                                   4.990%     0.00%     4.990%    
5Yr ARM - Interest Only       5.125%     0.00%     5.125%
Program                         Rate      Points      APR     
30 Year Fixed              5.500%      0.00       5.500%       
15 Year Fixed              5.000%      0.50%    5.070%        
5yr ARM                        5.000%      1.00       5.140%       
30 Year Fixed               7.125%      0.000%  7.125%          
15 Year Fixed               7.125%      0.000%  7.125%          
Conforming Loans Amounts Under $417,000
Limits Will Vary Depending State & County
Conforming Loans - Loan Amounts Under $417,000
Program                                 Rate      Points      APR  
7yr ARM                                  6.750%    0.50%     6.840%     
5yr ARM - Interest Only       7.000%    0.50%     7.070%
Jumbo Loans - Loan Amounts Over $417,001
Program                         Rate      Points      APR     
30 Year Fixed              5.500%      0.00       5.500%         
15 Year Fixed              5.000%      0.00       5.000%  
Super Conforming Loan Amounts  $417,000 - $625,500
Limits Will Vary Depending on State & County
Jumbo Loans Amounts Over $625,500
Fixed Rates: