Our Most Popular Loan Programs

• We have had great success with our "10 Business Day Close" program.  The borrower needs a 660 credit score with other contributing factors.  Appraisal must be ordered at time of submission to the lender.
• Loans of $300,000 and above - Our clients have repeatedly told us that we beat competitors interest rates and pricing by $100's to $1000's of dollars.  Also on this program in 2012 we are offering a free appraisal which adds an additional savings of up to $400 dollars.
• No Closing Cost Option - once the loan is locked a specific amount of credit is applied to the closing costs.  The higher the rate the more credit for closing costs.  If you run into a circumstance where the seller is not paying closing costs and the borrower does not want to pay closing costs then they can raise their interest rate and have the closing costs paid with the credit.  Of course if the seller pays closing costs it is more beneficial to the borrower not to use the credit and take the lower interest rate.
• USDA & VA Financing at 100% LTV, Conventional at 97% LTV, Georgia Dream financing at 100% CLTV with $1000 out of pocket, Homepath 3% down on Fannie foreclosures and no appraisal, Modular homes financed thur USDA in USDA areas, 203K programs for homes that need renovation, and 40 year term loans which benefit the borrower with lower payments.
• Double Wide Mobile Homes and land that meets FHA guidelines - skirting that is block, brick, or stucco, 1976 and newer not moved from original setup.  Minimum loan amount $50,000.
• Scores down to 580 with 12 months verifiable housing history & 3 to 4 months reserves of PITI.
• Refinance programs up to 125% CLTV for Fannie Mae 1st & 2nd's.  This is to help borrowers that are upside down in equity to lower their payments and prevent possible future foreclosure.

The Company's loan programs are continually changing, so if you do not see a program that meets your specific need, please contact me for additional information!  I just might be able to help! 

All loan programs, rates, points, and closing costs may vary based on loan features, geography, and/or other terms and conditions.  All loan programs, rates, points, and closing costs are subject to change without notice.  Certain restrictions, borrower qualifications, and additional terms & conditions apply to all loan programs.  An offer to locate a loan program does not guarantee loan qualification or approval.