• Take advantage of lower initial rate
• Various repayment terms available
• Periodic and lifetime rate caps offered

Included in our financing programs are:

• Adjustable Rate Loan Program
• Refinance
• 95% financing
• 95% purchase loan program with no PMI (private mortgage insurance)
• 2-4 Families
• No income verification loans
• Condominium loans or PUD's (planned unit development)
• No points, no closing cost loans
• Special loan programs available for people with damaged or bruised credit.

What documents are needed to start processing my mortgage?

• Two current pay stubs
• Copies of your W-2 from the last 2 years
• If Self-employed: last 2 years signed tax returns, all schedules, and year-to-date P&L statement
• Rental Income: 2 years signed tax returns with all schedules
• Passbooks
• Checking Account Statements: Last 3 months
• Investment Statements, e.g. IRAs, 401K: most recent
• Refinance: Copy of deed
• If applicable, Landlord name and address: 2 year history
• Purchase: Signed Offer to Purchase and/or signed Purchase and Sale agreement
• Open Loans/Mortgages: Most recent statement showing names, addresses, account numbers, balance and payments
• Most recent credit card statements
• Appraisal and Credit Report Fees (check for $275)