Which Loan is Right For You?

In the past every home owner got the same loan: a 30 year fixed mortgage. Today there are many different loan programs and choosing the right one could save you hundreds of dollars on your monthly payments.

Loan Programs Advantages Disadvantages
30 year Fixed
15 year Fixed
  • Monthly payments won't change
  • Interest rate Fixed
  • Protected if rates go up
  • Can refinance if rates go down
  • Rate does not drop if interest rates improve
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  • Low down payment - minimum of 3.5%
  • Common first time home buyer program
  • Minimum 500+ credit score
  • Allowed up to 6% seller concessions
  • Mortgage insurance is included in your payment for the life of the loan
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  • Down payment options as low as 3%
  • No upfront mortgage insurance
  • PMI falls off once you reach 20% equity in your home
  • Allowed between 3-6% seller concessions
  • Higher credit score requirements - 620+
  • No down payment assistance programs
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  • No down payment required
  • Allowed up to 6% seller concession
  • Home must qualify for USDA financing
  • Higher credit score requirements - 640+
  • Income restrictions 
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  • Eligible buyers are not requires to have down payment funds
  • No mortgage insurance or PMI required
  • Only service men and women eligible 
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Bank Statement Loan
  • Only 12 months bank statements are required for documentation
  • Great for applications showing low income but high funds
  • Designed for self-employed borrowers
  • Higher interest rate
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In addition to these standard loan programs we offer a large number of specialized loans to fit your needs! Call, text or email for more information.
Scenario: We recommend: 
High debts, low income, low to average credit FHA
Low debts, low income USDA
Low debts, average to excellent income, good credit Conventional
Veteran, active or honorably discharged VA

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