Call or contact us for more information on products: Call Toll Free (877) 457-1447 Pre-Approvals Apply today and we will provide you with a Pre-Approval Certificate. Then you can shop for your dream home and: - You know exactly what you can afford.
- You can shop with confidence.
- The seller will take you offer more seriously knowing you are virtually a cash buyer.
BACK TO TOP 103% Home Loan - Financing opportunity for Borrowers with excellent credit but little money for down payment.
- Zero Down plus finance 3% of your closing costs into the loan.
- Sellers may also contribute an additional 3% towards your closing costs.
BACK TO TOP 100% Home Loan - Zero Down - buy your home with NO money down
- Little or no cash up-front - 100% of the closing costs can come from a gift or other source
- Less income required - expanded debt ratios makes it easier to qualify.
- Excellent credit history required.
- Fixed rate financing - enjoy the security of knowing what your monthly payments will be for the life of the loan.
BACK TO TOP 97% Home Loan
Even with limited or spotty credit history you can reach your dream of homeownership: - As little as a favorable 12-month rental history required.
- An affordable 3% down payment - only 1% needs to be from your own funds and the balance can come from a gift or other sources.
- 100% of the closing costs can come from a gift or other sources.
- Less income required - expanded debt ratios make it easier to qualify.
- Fixed rate financing - enjoy the security of knowing what your monthly payment will be for the life of the loan.
BACK TO TOP VA Mortgage Loans Veterans Administration guaranteed home loans: - 100% financing available for veterans.
- Nontraditional credit history is considered
- Expanded credit criteria
- Seller may contribute up to 6% toward the closing costs.
- Veteran must have certificate of eligibility from the Veterans Administration
BACK TO TOP High Ratio Fixed Rate Loans Allows borrowers with excellent credit but limited income to buy more house: - Allows for fifty percent (50%) of your income to be used towards the housing debt when traditional lending guidelines allow about thirty percent of your gross monthly income to be used towards the housing debt
- Available with as little as 5% cash investment
- Affords the security of a fixed payment
BACK TO TOP Fixed Rate Mortgages Is the right option for you if: - You want the certainty of a fixed principal and interest payment
- Are on a fixed or tight budget
- Believe interest rates will or may go up
- Plan on staying in the same home for a long period of time
BACK TO TOP Adjustable Rate Mortgages This is the right option for you if: - You plan on moving or refinancing within seven (7) years of the mortgage transaction.
- Are confident your income will increase
- Believe interest rates will stay the same or go down
Some of the many benefits of adjustable loans include the following: - You can save thousands in monthly payments over the first few years
- No prepayment penalty
- Your payments are amortized over thirty years
- With the lower interest rate it may be easier for you to qualify for a loan
- The interest rate caps help keep payments within reach if and when the rate adjusts upward
- The rate is typically limited to a one or two percent (1-2.00%) change in either direction per adjustment and a maximum of six percent (6.0%) over the life of the loan
BACK TO TOP No - Cost Equity Lines ($35,000.00 and up) - Prime rate for life! The rate is indexed to Prime rate as posted in the Wall Street Journal the first calendar day of each month.
- 90% maximum combined financing (90% of the value of the house, including the first mortgage.)
- No annual fee
- Excellent credit required
- We offer a full line of equity lines and second mortgages to meet almost all needs.
BACK TO TOP Refinance, including refinance with Cash-Out Many homeowners have found ways to increase their monthly cash flow or obtain additional moneys for home improvement by refinancing their current mortgage: - Payoff high interest rate credit cards
- Have additional interest deductions at tax time
- Get cash for college or weddings!
- Fixed rate or adjustable rate programs available
- 30,25,20,15 or 10-year terms
- Talk with one of our experts for a free mortgage analysis!
BACK TO TOP Construction Loans - Up to 95% financing
- Equity in the land (if customer owns it) can be used for down payment and closing costs
- One-time closing keeps costs low and means the rate stays the same during and after construction
- Available in fixed or adjustable rates
- 6,9 or 12 month construction periods to choose from
BACK TO TOP Home Improvement Loans - Purchase your home and finance the improvements in one loan.
- Programs with up to 125% of the appraised value.
- Conventional rates available.
- FHA 203k home improvement loans also.
BACK TO TOP Land Contract Buyouts and Lease Purchases - Up to 100% loan-to-value
- Appraised value is used to determine the loan-to-value if you owner occupied property more than 12 months.
- Unseasoned land contract buyouts are also available.
BACK TO TOP Specialty Income and Credit Products - Self-Employed
- Stated Income
- No Income Verification Loans
- No Ratios
- No Cost Loans
- No Documentation Loans
- No Asset Loans
- Debt Ratios up to 60%
- Plus More
BACK TO TOP Bridge Loans - Use the equity in your current home to buy or build your new one
- Interest only payments for six months
- Low, low closing costs!
- Quick closings!
BACK TO TOP Jumbo Mortgages - Jumbo mortgages are categorized as loans in excess of $333,700.00 for single-family residences
- Fixed rate loans always vary in price between conforming and jumbo loan amounts although some adjustable rate mortgages have much higher limits prior to altering the pricing
- Available up to 4 million dollars
- Construction, purchase, refinance or refinance with cash-out O.K.
- We are luxury home specialists!
BACK TO TOP Investment Property - 1,2,3 or 4 unit properties
- Up to 95% financing available.
BACK TO TOP Property Types - Condominiums
- Commercially Zoned Residential Property
- Rural Properties
- Manufactured Housing
- Mobile Homes
- Mixed Use Property
BACK TO TOP Multifamily - 5 plus units
- Our Commercial Division has over 19 years in multi-family lending!
BACK TO TOP Extended Locks - Preserve today's rates up to 60 days.
BACK TO TOP Zero Closing Cost Loans - Independent Mortgage pays all closing costs except pre paids.
- No Title Costs.
- No Appraisal Cost.
- No Underwriting Fee.
- No Document Preparation Fee.
- No Fees of any kind.
- No Pre-Payment Penalty.
- Loans for Purchase or Refinance
- 15 to 30 year Owner Occupied Fixed & Adjustable Rate Loans
- Minimum loan amount $150,000
BACK TO TOP 100% Loan to Value 2nd Mortgages - Debt Consolidation 740 Fico
- Can be used for Home Improvements
- A portion of the interest may be tax deductible (consultant your accountant)
- 15, 20 and 25-year amortizations.
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