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Lower Your Mortgage Payments

Fixed Rate Loans

  • 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.
  • Buy a home with as little as 5% down (primary home).
  • Refinance up to 95% of your primary home's value.
  • Monthly payments remain the same for the entire loan term.
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Adjustable Rate Loans

  • 3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.
  • The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.
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FHA Loans

  • 3.50% minimum down payment required on purchase.
  • Minimum credit score usually 620.
  • Post-bankruptcy qualifying - 2 years after.
  • Post-foreclosure qualifying - 3 years after.
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VA Loans

  • Competitive interest rates that are routinely lower than conventional rates.
  • Sellers can pay up to 6 percent of closing costs and concessions.
  • Higher allowable debt-to-income ratios than for many other loans.
  • Down payment as low as 0%.
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our reviews

John S.
"I just wanted to thank you for constantly following up with me. The last time I refinanced it seemed as if I always had to follow up with the mortgage company. Thanks for staying on top of everything and keeping things moving forward."
Robert M.
"Your company was so much more professional than the last mortgage company I used. Every question I asked was answered honestly and accurately. I would recommend you to anyone."
Mary R.
"I wanted to let you know how impressed I was with the job everyone did at your company. I have refinanced several times in the past and usually pick the company that has the lowest rates. Of course I did the same when I chose your company. However, this time I received great service to go with the low rate."
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