Home Loans for an Easy, Affordable Easy to Home Ownership

• 3.5% down payment options available

• Lower rates with maximum flexibility

• Flexible qualification guidelines

• 21-Day Guaranteed Close

• Eligible financing for purchase, cash-out and no cash-out refinance

By refinancing your existing loan, your total finance charges may be higher over the life of the loan.

• Choice of term: 15-30-year loans

• Choice of Fixed-Rate or Adjustable-Rate Mortgages (ARMs)

• Can be used on most property types 

• 100% Loan-to-Value (LTV) with Down Payment Assistance 

• Available to first-time or seasoned homebuyers

• Required escrow account to pay taxes and insurance directly

A Fixed-Rate Mortgage has an interest rate that remains the same for the life of the loan. An Adjustable-Rate Mortgage (ARM) is a home loan with an interest rate that can change periodically. 

• Minimum 580 credit score

• 3.5% down payment or 0% with Down Payment Assistance

• Non-occupying co-borrowers allowed

• U.S. Citizen, permanent and non-permanent resident alien status allowed

• DACA and A12 eligible

Eligible property types: single family residence, 2-4 units, planned unit developments (PUD), townhomes, row homes, modular, HUD approved, condominiums or manufactured housing

• 100% Loan-to-Value (LTV) with Down Payment Assistance 

• Income limit requirements

• Minimum 620 credit score

• First-Time Homebuyer requirement may apply

• Less stringent underwriting requirements than most conventional loans

• Loan limits similar to conventional loans

• Access to special home loan assistance programs