Purchases, Refinances – Good or Bad Credit
Mortgages for borrowers regardless of credit score. Credit score could be as high as 800 or as low as 520.

10 through 30 Year Fixed Mortgages
The mortgage interest rate will remain the same on these mortgages throughout the term of the mortgage for the original borrower.

100% Purchase Programs
Mortgage in which the loan amount is the same as the purchase price. This is a no money down situation.

3/1, 5/1 and 7/1 Arm Programs
Adjustable-rate mortgages in which rate is fixed for three-year, five-year and seven-year periods, respectively, but may adjust annually after that.

Interest Only Loans
A mortgage that allows the borrower to pay only the accrued interest on the total amount borrowed on the property.

Option Arm Programs
A mortgage that gives the borrower monthly payment options.

Construction Loans
A short term interim loan to pay for the construction of buildings or homes. These are usually designed to provide periodic disbursements to the builder as he or she progresses.

Bankruptcies Okay – (1 day out)
Loan in which the borrower has just recently had a bankruptcy discharged.

Balloon Mortgages
Loan which is amortized for a longer period than the term of the loan. Usually this refers to a thirty-year amortization and a five-year term. At the end of the term of the loan, the remaining outstanding principal on the loan is due. This final payment is known as a balloon payment.

Home Equity Lines of Credit
A mortgage made subsequent to another mortgage and subordinate to the first one.

100% Modular/Log Home Financing
(no acres limits)
Loan in which there is no limit on the acreage and amount of the loan is the same as the purchase price.

We also provide

Realty Services
Please call for more information.

Commercial Loan Services
Please call for more information.