For information on the programs lenders typically have to offer, please take a look at the situation that best suits you, the loan program and it's details represented by the situation. Clicking the "learn more" buttons, more details and advantages/disadvantages of each mortgage program will be presented to you in a small pop-up window.

No Down Payment Program    [ learn more ]
You don't have cash for a home down payment or want to avoid up-front loan costs. There are two different mortgage loan programs to choose from.  Some cases allow for financing of mortgage loan closing costs.

Low Down Payment Program    [ learn more ]
You only want to put down 3-5%.  No maximum income earning restrictions and loan amounts up to $300,000.

Combination Program    [ learn more ]
You have between 5-10% for a down payment and want to avoid paying traditional mortgage insurance.  You offset the traditional mortgage insurance by a higher interest rate which often provides opportunity for a tax deduction.

Non-Conforming Program    [ learn more ]
Home mortgage loans up to two million dollars, investment properties, second homes and condos.  Reduced loan documentation, no ration loans, no income/no asset, expanded program, foreign national loan program.

Basic Fixed Rate Program   [ learn more ]
You want the stability of a fixed principal/interest payment over the life of the loan.  Down payments are as low as 0% with no down payment program loan assistance options to help first time home buyer loan applicants.%

Adjustable Rate Program    [ learn more ]
Do you want to start with a low monthly mortgage payment to help you qualify for a larger new home?  As little as 5% down, current loan interest rate adjustments each 6 months or 1 year after mortgage loan begins.