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FHA Loans

* Down payment as low as 3.5%. Home buyers can use outside funds – a gift from parents, for example – to reach the 3.5% level.
* FHA-insured ARMs (adjustable rate mortgages) have better rate protections than many traditional ARMs – a maximum 1% increase per year and a 5% lifetime cap.
* Easier refinancing. No new credit checks, income or employment verifications, or appraisals if your payments have been on time for the previous 12 months.
* No income ceiling for FHA-approved borrowers.
* Home buyers with less-than-perfect credit often can quality for an FHA mortgage.
* Home price is not necessarily a factor in FHA eligibility.
* 15-, 20-, 25- and 30-year fixed rate terms.
* 1-year ARM available. Also ARMs with rates fixed for the first 3, 5 or 7 years.

  • Reverse mortgages. These unique loans allow qualifying older homeowners to use the equity they have built up in their homes to meet living expenses. There’s no need to move, and (typically) no monthly repayments are required.
  • VA loans For qualifying veterans have many of the same features. Ask us for details.