We offer Conventional Financing, up to 95% LTV on our First Mortgage Home Loans. We have 5 year, 10 year, 15 year, 20 year, and 30 year terms.
Documents needed when Purchasing / Refinancing a Home
- 30 days most recent paystubs
- 2 years Federal Tax Returns, W-2’s, and supporting Tax documents
- 2 months Bank Statements and Retirement Statements
- Declarations page for Homeowners Insurance
- Most recent Mortgage Statement
- Source of Down Payment
We offer Fixed Rate (Closed End) and Variable Rate (Open End) Home Equity Loans.
Second Mortgage Loans
- Fixed Rate (Closed End) Loan
- One time draw
- We offer 5 year, 10 year, and 15 year terms
Home Equity Lines of Credit
- Variable Rate (Open End) Loan
- 10 year draw period with a 10 year repayment period
- Payment = 1% of outstanding loan balance at the end of each month
Documents needed for Home Equity Loan
- Source of down payment
- 30 days most recent paystubs
- 2 years Federal Tax Returns, W-2’s, and supporting Tax documents
- 2 months Bank Statements and Retirement Statements
- Declarations page for Homeowners Insurance
- Most recent Mortgage Statement