PROGRAMS

• Conventional 10, 15, 20, 25 and 30 Year Fixed Rates

• Cash-out Refinances up to 80%

• ARM Programs

• Direct Billing (Relocations)

• 5 and 7 year Balloons

• Home Equity Loans

• 80-10-10, 80-15-5 (combination loans to eliminate PMI)

• 85% Investment Properties

• Temporary Interest Rate Buy-Downs

• FHA and VA

• Jumbo Loans up to $1,000,000.00

• 95% Programs on Second Homes

• No Closing Cost Refinances

• FMHA (Rural Housing)

• In-house Underwriting

• Automated Underwriting

• 95% Refinances

• Construction Loans

• Able to offer most loan programs in the majority of the United States