Choosing the Right Loan
Here are many questions to consider when you are choosing the right loan program for your needs. Our Loan Specialist will ask you to consider the following questions when making your decision:

• HOW LONG DO YOU PLAN ON LIVING IN YOUR HOME?
   
• WILL YOUR FINANCES CHANGE OVER THE NEXT FEW YEARS?
  If you are retired or nearing retirement and living on a fixed income you may prefer a Fixed Rate Loan. A Fixed Rate Loan will provide you with peace of mind that your mortgage payments will remain the same. If you expect your income to increase over the next few years you may want to consider an ARM loan. Your initial interest rate will be lower with lower monthly payments that may increase as the loan matures. The lifetime interest rate cap of the ARM loan prevents the interest rate from increasing past the set cap.
   
• HOW MUCH OF A DOWN PAYMENT CAN YOU AFFORD?
   
• DO YOU WANT TO PAY OFF YOUR MORTGAGE QUICKLY?

• Purchase and Refinance.
• 0% down with Credit Score FICO as low as 580.
• Stated income, stated asset program (SISA).
• No income verification program with 0% - 5% down payment.
• Very liberal underwriting guideline that make you easier to qualify.
• Very competitive low income home buyer program.
• Special program for challenging credit and sophisticated borrower.