A fixed-rate mortgage loan with an interest rate that’s set for the entire term.

• • • Loan to value up to 95%

    • Your interest rate never changes

    • Flexible terms from 1 – 40 years

    • Cash-out and rate/term loans available

An FHA mortgage is a home loan insured by the Federal Housing Administration (FHA). These loans are designed to help borrowers of more modest means or less than perfect credit refinance their home. Borrowers who already have an FHA loan can qualify for streamlined refinances which require no appraisals and very low closing costs.

• • • Loan to values up to 97.75%

    • Easier to qualify than a conventional loan

    • Cash-out and rate/term loans available

    • Streamline (no income verification) loans available

VA loans are mortgages backed by the Department of Veterans Affairs and are available to military service members and veterans or their surviving spouses. Qualifying borrowers can refinance to get cash out, lower their payment, lower their interest rate, or all three. Veterans who already have a VA loan can qualify for streamline refinances which require no appraisals and have very low closing costs.

• • • Loan to value up to 100%

    • Low and no-closing cost loans available

    • No mortgage insurance required

    • Cash-out and rate/term loans available

A USDA home loan is a competitively priced mortgage option that helps to make refinancing a home more affordable for low to moderate income individuals living in designated areas.

• • • Loan to value up to 100%

    • Home improvement loans available

    • Streamline (no income verification) loans available

    • No maximum loan amount

Non-traditional mortgage products allow you to qualify using better representations of your reliability as a borrower as opposed to traditional forms of income documentation. Such representations may include bank statements or your liquid assets. See your loan officer for additional details specific to your unique situation.