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30 year Fixed Rate Conforming Loan
This traditional loan offers the peace of mind of a fixed rate and payment that will never change over the 30 year term of the loan. This is a solid loan program designed for conservative home owners who plan to own their home for many years. The maximum loan limit on this program is $417,000.
Term: 30 years Maximum Amount: $417,000 |
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*New* Jumbo Conforming Loan
In an attempt to help curb the housing crisis, the government housing authorities increased the conforming loan limit in March 2008 to as high as $729,750 in certain counties. This was a temporary change that was only supposed to be in effect until the end of 2008, but it has been extended through 2010 and may be extended longer or permanantly changed. With the changes, loans above $417,000 and below the maximum designated for each county are now considered to be conforming jumbo loans, which offer lower interest rates than the traditional jumbo loan. Call us today for details and take advantage of this temporary reprieve.
Term: 30 years Maximum Amount: $729,750 |
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5/1 ARM Conforming and Jumbo
This loan program is ideal for homeowners who desire a lower rate and payment for the first five years of their loan term. It offers a lower rate than a traditional 30 year fixed loan with the stability of a fixed rate and payment for five years. After the first five years of the term, your rate will convert to an adjustable rate that could adjust once a year. This program is ideal for homeowners who want lower initial payments and plan to refinance or move within five years.
Term: 30 years Maximum Amount: $650,000 |
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FHA Loans
For homeowners who are looking for a low down payment on a purchase, have little to no home equity, high debt-to-income ratios, or for those with credit issues, our FHA program may help. This flexible loan program looks at each homeowner's unique situation to determine qualification, looking at compensating factors that other programs may not. Even if you've made a late payment on your mortgage you may still qualify.
Term: 30 years Maximum Amount: $729,250
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****Maximum loan limitations are based on county, with the maximum amount being $729,250 in high-cost areas. Call us for maximum loan limits in your area.****
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Debt Settlement
Debt Settlement is a process in which we take your unsecured debt and significantly reduce your principle balance resulting in an affordable payment that will allow you to be debt free. It is an aggressive approach to debt reduction for individuals facing financial hardship. You are given one, interest-free monthly payment. The payment and term is based on the amount of debt being settled and what you can afford to pay monthly. This payment is your guide to a successful program.
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Several factors are required for a successful debt settlement program. The most important factor lies in the skill level and integrity of the debt mediator working on your behalf. I can refer a Certified Debt Mediator who clearly understands FDCPA guidelines, garnishment laws, and hardship guidelines. They will develop a successful client strategy and execute the negotiation tactics required in order to make you debt free.
If your credit cards, collections, or any unsecured debts have become too much to handle, debt settlement may be the best program for you. Debt settlement is an alternative to bankruptcy and we can show you how to complete the settlement program, become debt free, AND repair your credit in as little as 12 months.
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