We have a wide variety of programs to suit all needs.

Are you a first time buyer? Be sure to check out the First Time Buyers Program.

Do you need extra money for business venture, vacations, tuition, etc? You may want to review the 125% Home Equity Loan Program.

Need to consolidate your debt? Sounds like the No-Equity Loan Program may help you.

Want a lower interest rate or a different loan term? The Refinancing Program may be your solution.

Tired of loan turndowns? Don't worry we have the solutions to help you get financed! 

You may also want to look over the Quick Mortgage Repayment Program for insider secrets to saving hundreds of dollars and years off of your current loan.

We also have other fixed and adjustable loan programs:

These are the most common types of loans you have to choose from. If you are not sure what program suits your needs, please call one of our loan specialists, they will be happy to assist you.

• 30 year fixed- Principal & Interest payment is fixed for the 30 year term.
  
• 15 year fixed- Principal & Interest payment is fixed for 15 years. Typically the interest rate is about 1/4% lower than a 30 year fixed and your payment will be higher.
  
• 3, 5, or 7 year Balloon- Your payment is fixed for 3, 5, or 7 years at which time you have a balloon payment.(You must payoff or refinance loan)
  
• 5/25- Interest rate is fixed for 5 years, then goes to prevailing rate at that time for the next 25 years.
  
• 7/23- Interest rate is fixed for 7 years, then goes to prevailing rate for next 23 years.
  
• 5/1 ARM- Interest rate is fixed for 5 years then becomes a 1 year adjustable rate loan.
  
• 7/1 ARM- Interest rate is fixed for 7 years then becomes a 1 year adjustable rate loan.
  
• 6 Month ARM- Interest rate adjusts every 6 months within rate cap guidelines.
  
• 1 Year ARM- Interest rate adjusts every year within rate cap guidelines.
  
• COFI ARM - The most common COFI ARM is fixed for 3 months then adjusts every month for the remainder of the term.