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Mortgage
Programs
Just click on the
links to get more information on the mortgage programs that are of most
interest to you.
Fixed Rates
This rate is not change during the
term of your mortgage loan. You have your choice of 15, 20 and 30 year fixed
rate terms. This is a great choice right now based on current market
conditions.
Interest Only Fixed Rate
You can take advantage of a low
fixed rate and still get the flexibility of a low payment. Choose between a
10 year or the new 15 year interest only option.
Option Arm Mortgage
This is typically a 1 month arm that
offers an extremely low payment. It’s a good choice for some. There is a new
program offered that offers a fixed rate for 5 years called the 5 year
option arm. This is a great choice for anyone considering an option arm
mortgage.
Bad credit mortgage
There are many loan programs and
options that are available. Make sure you get the advice from an expert such
as a mortgage search expert at AG Financial.
Home Advantage
Account
This is a new mortgage loan product
that is a mortgage, savings, checking and home equity line of credit rolled
into one. Get all the details.
Stated income mortgage
You need to verify employment but
not income for this type of mortgage loan.
No
Doc Loan
You don't need to verify employment
or income. Very good credit is typically required.
Home Equity Loan
Take cash out for home improvements
or bill consolidation. This is usually a second mortgage.
Home Equity Line
of Credit
This is typically an adjustable rate tied to prime
rate. You have a limit just like a credit card would. As you pay down your
balance, your available credit will increase.
Construction Loan
Some builders require the funds from
you to build the home. there are many types of construction loans to consider.
The most popular program is the "all in one closing" that allows you to lock in your
rate in advance for permanent financing before construction begins.
Bridge Loan
A particular type of loan that
allows you pull equity out of the home you plan to sell to purchase your new
home.
Home Purchase
There are many mortgage loan
programs from first time home buyer to the homeowner that is looking
to upgrade.
No
Money Down Mortgage
Purchase your new home with the
option of no down payment. A popular option.
107% Home Purchase
You can borrow enough to cover the
closing costs based on credit qualification. You can get into your home with
virtually nothing out of pocket.
NO
PMI Mortgage
There are many loan programs to
choose from. You may be able to avoid PMI insurance even if you put less
than 20% down. This can be as simple as the way a mortgage is structured, or
choose a lender that does not require this cost.
Good Neighbor Program
A new program to allow you to get
into your new home with a small down payment and still get a great low rate.
Express Refinance
Utilizing the technology within the
mortgage industry, allows some lenders to close a mortgage loan in as little
as 5 business days.
Adjustable Rate Mortgage
There are many types of adjustable
rate mortgages. Your rate will adjust after the initial fixed rate period.
This can be in as little as one month all the way up to 10 years. You choose
how long you want the fixed rate period to be. Keep in mind that the longer
the fixed period, the higher the rate.
Interest only mortgage
This is an option that can be added
to almost any mortgage product. Get the mortgage that’s custom tailored to
you. A great way to reduce your mortgage payment.
No closing cost mortgage
There are no lender or title company
fees associated with this mortgage loan. You will pay a higher interest
rate. This is true with all mortgage lenders that offer this option. This
may not be the best way to structure your loan if you plan on living in
the home more than 3 years.
Second home refinance or
purchase
You have many choices. Most programs
are available for a second home. Use our quote request form to compare
mortgage quotes.
Investment property
refinance or purchase
You can now borrow up to 100% of
your home value. Refinance for a better rate or start purchasing
investments.
125% of home value refinance
Borrow 125% of the value of your
home for bill consolidation or home improvements. Primary residences only.
Rehabilitation Loan
Need cash to fix your home? This
mortgage loan is available for primary residences, second homes, and
investment properties.
Home improvement loan
Want to do some home improvements?
Talk with a mortgage search expert to determine which loan is right for you.
Cash Out Refinance
Take cash out for any reason.
Consolidate bills, do home improvements. When rates are low, it's usually
the cheapest way to borrow money. It's up to you on how you want to spend
it.
Commercial property
refinance or purchase
There are a host of lenders lenders
with in our network that specialize in commercial property to secure the
terms you are looking for.
Bill consolidation mortgage
Consolidate bills to save money and
interest. Consolidating bills can save you hundreds or even thousands of
dollars monthly.
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