Mortgage Programs
Find a mortgage program that is right for you.MORTGAGE PROGRAM GUIDE
Fixed Rate
FHA Loans
FHA loans make qualifying for your new mortgage easier. Refi or buy, it’s a popular loan because it’s the most flexible.
FHA MORTGAGE BENEFITS
- Do you need less stringent qualification and credit requirements?
- Is your down payment or home equity less than 20%?
- Do you have an FHA loan and want to save money with an easy and fast FHA Streamline refinance?
If you answered yes to any of these questions, an FHA mortgage might be right for you! The easiest way to qualify for refinancing or home buying, an FHA loan gives you a government-
FHA Program offers you:
- 3.5% down payment when buying a home
- Cash-
Out refinancing up to 85% of the value of your home. - Your entire down payment can be from gift funds.
- Loan amounts up to $729,000 in qualifying areas!
- 0 cash out of pocket programs available to qualified borrowers.
- 30 year fixed rates available
FHA Streamline Refinances
If you match any of these statements, the FHA Streamline may be great for you:
Your current rate is higher than today’s market rates.
You currently have an FHA home loan
To qualify for a FHA Streamline refinance loan, eligible homeowners must meet the following criteria:
- A history of on-
time mortgage payments for the last 12 months; - No deliquincies on any Federal debt (student loans);
- The refinance is to result in a lowering of your monthly principal and interest payments.
- No cash may be taken out on mortgages refinanced using the streamline refinance process.
- Streamline refinances can also be done without appraisals, but the new loan amount cannot exceed the original loan amount.