Rock Bottom Program NEW!
   Do you want the lowest possible rate? This is it ! 1.99% interest rate. This is an adjustable rate mortgage with an annual cap of 2% and a lifetime cap of 5%. This means under the worst circumstance your rate could never go above 6.99%. This is a 30 year loan and the index is the stable 1 year treasury bill. Available for 80% LTV refinance and 95% LTV purchase. This program will not last forever, DO NOT WAIT. If you have conforming credit, you qualify.

Capital Advantage Interest Only Program NEW!
   This loan has a 25 year term and is interest only for the first 10 years; then it fully amortizes for the remaining 15 years.
WHY CHOOSE AN INTEREST ONLY LOAN? Substantial monthly savings – its like giving yourself a raise! Move into a larger, nicer house for the same payment. Use the savings to pay off other debt or for direct principal reduction. There is a lot more to learn about this great program. Call now for details.

Platinum Program
   This program is for the borrower with the very best credit, three lines of established trades, high credit scores, and a good mortgage/rental history.

Fresh Start Program
   This program is designed for borrowers with less than perfect credit. Slow credit and bankruptcies are allowed. Cash Out/Debt Consolidation, Home Improvement, and Purchases.

Wage Earner/Bankruptcy Buyout
   This program is designed to buy your way out of the wage earner plan and help you reestablish your credit, and if there is enough equity give you cash out. LTV 85% with a good pay history into the plan.

Stated Income / Lite Doc Programs
   LTV to 85% Self Employed, Commissioned or Salaried.

Mortgage Only Program
   Our Mortgage History Only program is a perfect loan for the customer whose priority is to pay their mortgage payment on time but has difficulty maintaining their consumer credit. Consumer credit is disregarded altogether.

Refinance - Rate Term - Debt Consolidation Program $$$
   LTV to 100%. This program is designed to lower your monthly payment, lesson your overall term, or pull the equity out for debt consolidation, tuition expenses, or vacation expenditures, etc. Refinancing can save you thousands of dollars in interest charges over the life of the loan.

Purchase Program
   100% Purchase Program seller carry backs OK. Lease purchase treated as refinance after 6 months using appraised value.

Construction to Perm - Single Close
   This program designed for construction of primary & 2nd home(s). Loan amounts up to $2,000,000. Pricing during construction prime"minus" 1 or can be locked anytime during construction phase.