Loan Programs Offered

The following is a partial list of programs offered as well as a list of any special promotions we are currently offering on mortgages.

Jumbo Loans

This program is offered on a 30 year-fixed and ARM for loan amounts greater than $647,200. For rates and details on our jumbo loan offerings, please contact us.

Conventional Loans

Our conventional mortgage loans can be either fixed rate mortgages or adjustable rate mortgages. They usually require at least 5% down and offer competitive interest rates.

Federal Housing Administration (FHA) Loans

Backed by the government and open to all qualified homebuyers, FHA loans have limits, but they are generous enough to handle moderately-priced homes almost anywhere in the country. They allow low down payments and offer flexibility over many other types of financing.

Other mortgage loan options we offer:

• Portfolio Loans (including Non-Warrantable Condos)
• 85% w/no MI loans
• 80/10/10 Purchase Money Loans
• Fixed and Adjustable Terms

Required documents:

• Two months of most recent pay stubs
• Past two (2) years W-2 statements
• Two most recent monthly bank statements
• Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts
• Homeowner’s Insurance Declarations Page or Name and Phone Number of Homeowner’s Insurance Agent
• Copy of the purchase and/or sales agreement
• A letter of explanation for any known credit problems, if applicable
• If divorced…a fully executed divorce decree, if applicable

For self-employed borrowers, employed in sales, paid by commission, or owners of rental real estate:

• Two (2) years signed personal tax returns – including all schedules
• If self-employed through a corporation, last two years corporate returns

Different programs require varying amounts of documentation. The loan program you select may require more or less documentation.