Fixed Rate Loans 

• 30 year, 25 year, 15 year and 10 year terms with a fixed interest rate.

• Put down as little as 3% for a primary home.

• Refinance up to 80% of primary home value. 

• Monthly payments remain the same throughout the duration of the entire loan term. 

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Adjustable Rate Loans 

• 3/1, 5/1, and 7/1 ARM's. Monthly payments are based on a 30 year repayment schedule.

• Ratę remains fixed for first 3, 5, or 7 years (depends on term chosen), adjusts annually thereafter.

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FHA Loans 

• Minimum down payment required for purchase is 3.50 % of purchase price. 

• Minimum credit score usually around 580.

• Qualify post bankruptcy- 2 years after.

• Qualify post foreclosure- 3 years after. 

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VA Loans 

• Competitive interest rates, usually lower than conventional loan rates. 

• Sellers pay up to 6 % of closing costs and concessions. 

• Allows higher debt-to-income ratios than many other loans. 

• Minimum down payment as low as 0%.

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Bank Statement Loans

• Borrowers use Bank Statements instead of W2 or tax returns. 

• Available for Purchase or Refinance 

• Get up to 85% financing 

• Cash- out refinancing allowed (excluding TX)

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Non- QM Loans

• Relaxed Credit requirements 

• Alternative documentation to verify income 

• Available for foreign nationals 

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