Mortgages and Loan Programs

Community Homebuyer Program
For first time homebuyers whose income allows them to qualify for this program. Borrowers must have 3% of their own funds to use as a down payment.

VA Loans
For veterans only. No down payment is required for qualified veterans.

Fixed Rates
30, 25, 20, 15 and 10 year fixed rates available with a 5% down payment.

Adjustable Rate Loans
We have over 25 different adjustable rate loans for borrowers to chose from.

Balloon Mortgages
We offer Balloon Loans on 30 years amortization with both a 5 year and 7 year balloon.

Jumbo Loans
Loans available for loan amounts above $424,100.

Construction/Permanent Loans We offer a one time closing program to borrowers who want to build their dream home.

Second Homes Loans available for the purchase of second homes; requires a 10% down payment. Financing up to $1 million.

Investment Properties Up to 90% financing available.

No income Verification Loans For both self-employed and wage earners.

Pledged Asset Program Borrowers can pledge liquid asset (CD, IRA, Mutual Fund) in leiu of a cash payment.

Second Mortgages And Home Equity Lines Of Credit Available up to 125% of the appraised value.

Credit Problems And High Debt Ratio Loans For borrowers who need special financing.

Commercial Loans For all commercial needs from lines of credit to construction or purchase of commercial properties.