We offer home loans for:
New Home Purchases, Low Rate Refinance, Debt-Consolidation, Cash-Out, and Home Improvements
Our loans are straight forward:
Free no cost or obligation loan analysis, No application fees, Fast and easy loan processing, Low fixed rates, No pre-payment penalty, Terms up to 25 years, Low down payment, Bi-weekly payment option, Automatic payment withdrawals
Pre-qualification fees: No Upfront Application or Credit Bureau Fees to obtain pre-qualification.
Rate Products: We offer Fixed, Variable and Step Rates. Some restrictions may apply based on your location.
Interest Rates: Range from 6.50% to 12% depending on your overall credit quality, the age of the home, your collateral type, loan amount, loan-to-value and type of interest rate program selected. Your rate will be determined and outlined on your pre-qualification letter.
LTV: Maximum 65%
Multi-section Homes only 20 model years or newer:
Loan amortization period up to 20 years, based on the age of the home, loan amount and program type. If home is free and clear, max loan is $25,000 and loan amortization period is 10 years.
Occupancy: Owner occupied only - No rental, Investment, Buy-for Family/Friends or Co-signer programs.
Age of Home: Double-wide and Triple-wide: 20 model years or newer
No Prepayment Penalties: Pay-off your loan early, make additional payments or refinance without a penalty.
Bank Repossessions/HUD Foreclosures: We do not offer financing for repossessions or foreclosed properties.