HELLO 50-YEAR MORTGAGES
These mortgages would have seemed like a far-out concept a few years ago, but the 50-year fixed rate fully amortized mortgage is catching on. It's close to being an interest-only loan, but does chip away at the mortgage balance each month. Like interest-only mortgages, it's a way to minimize monthly payments without the worry of rising rates and payments that plaque holders of adjustable-rate mortgages. Or it could be a hybrid 50-yeary loan (combining fixed and adjustable rates) producing even lower monthly payments, at least during the initial years.

There have been an increasing number of applications for 40-year mortgages in recent years. Adding another decade to the loan term is the next logical step. The trend is not surprising, considering the price on today's homes. Consumers need all the help they can muster to purchase and finance a needed home. And considering the average family lives in a home for a period of 5 to 7 years, such a loan often makes a lot of sense. It not only minimizes the outlay of cash with each monthly payment but also helps home buyers qualify for a mortgage.

HYBRID MORTGAGE
An increasing popular residential mortgage program is the hybrid adjustable rate mortgage (ARM). This hybrid mortgage features a fixed interest rate for an initial period of years, then it reverts itself to a one-year adjustable rate mortgage (ARM) of the remainder of it’s 30 year term. The initial fixed-rate period can be 3,5,7 or 10years. The longer the fixed period, the higher the available interest rate. Many home buyers who closely examine their mortgage options select a hybrid. It carries a rate much lower than a conventional 30 year fixed mortgage, and they have the assurance that their mortgage payment will not rise for at least the initial period. Keep in mind, most families don’t own their home more than five years.

NEW HOME PURCHASE MONEY
There are many lenders - many of whom offer "STATED INCOME" (no tax returns or proof of income required) = PERFECT for those who are self-employed. Or go with the conventional "full doc" (full documentation) funding which offers the best rates.

EXCEPTIONAL REFINANCING!
Many of the mortgage brokers/lenders that we contact in regards to your loan, offer their clients out of the ordinary financing. Great for those who are self-employed, newly hired, can't prove income and/or employment. However, it is done a case by case basis. Certain restrictions apply.

0% DOWN / 100% FINANCING
YES, with approved borrowers, you can purchase your primary home with ZERO down. Certain restrictions apply and not everyone can qualify.

INTEREST ONLY MORTGAGES
Improve your cash flow! For those who want to reinvest their monies in other things or ideas, pay the minimum interest and save the rest for your other investments, etc. Certain restrictions apply.

REVERSE MORTGAGES
Helps seniors tap into their own equity while enjoying life at the fullest!

FHA
Yes, under this program, you may be able to purchase with as little as 3% down at a decent rate. FHA also allows for some credit problems and even bankruptcy in some cases. Also, the seller is allowed to pay for your closing costs. FHA also allows unusual forms of "credit history" (alternative forms of credit) for those who have little or no credit file history. Yes, even a letter from your cable company stating you paid on time! Also, "non occupant" co-buyer permissible, and no FICO score requirement!

FHA STREAMLINE RE-FI
Have a current FHA loan at the older interest rate? Our mortgage brokers / lenders offer a fast, simple, no out-of-pocket FHA streamline refinancing with little paperwork and no re-appraisal! Sometimes this refinance can be performed within 10-14 business days! Enjoy the savings!

V.A. LOAN'S and VA Refinancing
Guarantee home funding?! Don't worry about your "FICO" score! So fast, so easy, and you deserve it.

CONSTRUCTION LOANS
Construction loans up to 90% of acquisition cost? Apply now to get started!

BRIDGE LOANS (FINANCE 100% of CONTRUCTION COSTS)
Two loans instead of one, no monthly mortgage payments during construction phase! You may use existing equity in an existing home as the "cash to close" requirement. Great rates, and reduced "doc" option also available.

BAD CREDIT/NO CREDIT/DINGED CREDIT
Let one of the assigned mortgage officers take the embarrassment away, and chart a new beginning for you! Never say never, their is no cost to apply and no charge for a one time credit check. What do you have to lose?

HOME EQUITY LINES OF CREDIT
Just want "cash out" for an emergency, spruce up the old house, purchase another property or whatever? No problem! Some programs allow up to 100% combined (1st and 2nd mortgages) to appraised value.

DEBT CONSOLIDATION
Is it true that the average home owner has about $40,000.00 in credit card debt alone? What do you think the average credit card charges in interest rate? 15%? 19%? 24%? Forget making those credit card banks rich off your hard earned dollars. Pay far less interest, lower your monthly payment, and all this may be all tax deductible!

AND, MANY OTHER PROGRAMS AVAILABLE!