| Home Loan Programs |
We will search and connect you with the most Trusted VA Lender to offer you the Lowest Possible Rate!
All Credit Levels!
Streamline and Skip a Payment!
100% VA Home Loans!
Cash Out Options
Low Rate Refinancing
No Money Down Purchase
No Appraisal
No Application Fees
No Obligation |
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| FHA Loans |
| FHA mortgage loans are available to any American who can document their income and indicate to underwriting that the borrower has the ability to make the mortgage payment each month. |
| When buying a house, you may get pre-qualified or pre-approved. You can typically get pre-qualified over the phone or on the Internet in a few minutes. It is highly recommended that you get pre-approved before you start looking for a house. Click here to apply >> |
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| VA Loans |
| We offer 100% home purchase loans, streamline refinancing and cash out refinance loans. We are a VA approved lending company who prides itself in offering the best government mortgage loans to veterans online. VA is the last mortgage program that still allows no money for purchasing owner occupied real estate and 100% refinancing for existing veteran loans. Credit guidelines continue to be flexible and forgiving. Click here to apply >> |
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| FHA Mortgage |
Lower down payment
Easier to qualify
Sometimes you may get lower rate
May be subject to income and property value limitations
Some programs which have government subsidies may have a recapture tax if you sell the house too early. |
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| Home Equity Line of Credit |
| You only borrow what you need Pay interest only on what you borrow Flexible access to funds Interest may be tax deductible Rates can change. The maximum interest rate is normally high. Payments can change Harder to refinance your first mortgage |
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| Imperfect Credit Programs |
| Potential for reestablishing credit if you pay your mortgage on time. When used for debt consolidation, you may be able to reduce your monthly debt payment Higher rates Terms may not be as favorable Harder to get long term fixed loans Loans may have prepayment penalties |
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| Home Equity Fixed Loan |
| Fixed payments Interest may be tax deductible Higher interest rates than on 1st mortgages Harder to refinance your first mortgage |
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| No point, No fee Programs |
| No closing costs Less money required to close Higher rates Higher payments |
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| Stated Income Programs |
| Don't need to verify income Faster approval Higher rates Higher down payment |
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| Balloon Mortgages |
| Lower payment over a shorter period of time Many balloon mortgages offer the option to convert to a new loan after the initial term. Risk of rates being higher at the end of the initial fixed period Risk of foreclosure if you cannot make balloon payment or if you cannot refinance or if you cannot exercise the conversion option |
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| Adjustable Rate Mortgages |
| Lower payment over a shorter period of timeRates and payments may go down if rates improve May qualify for higher loan amountsMore risk Payments may change over time Potential for high payments if rates go up |
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| Fixed Rate Mortgages |
| Interest rate does not change Protected if rates go upCan refinance if rates go downHigher interest rateHigher mortgage paymentsRate does not drop if interest rates improve |
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