Residential Loan Products

If you are looking to purchase, refinance, pull cash out, pay debts, do home improvements, or any other mortgage service then we can help! Our professional loan officers provide recommendations for the best loan based on your needs.

Conventional Loans

Conventional Loans are mortgage financing which is not insured or guaranteed by a government agency such as HUD/FHA, VA or the Farmers Home Administration. In this type of loan Private mortgage insurance is used to reduce the investors risk if the Loan to Value is greater then 80%. These loans are underwritten according to Fannie Mae and Freddie Mac's underwriting guidelines.  This is for properties that have 1 living units and up to 4 living units. We providing financing for owner occupied, non-owner occupied and second homes. The following are loan details:

Conventional Conforming Loans (Below $300,000)

• 100% no money down (all types of credit) • Minimal money down (usually 5%)
• New or reestablishing credit
• Good credit= prime rates and programs
• Down payment must come from borrowers own funds
• Can not own more than 11 other single family properties
• Closing cost can be financed into the loan (depending on program)
• Trying to get out of paying mortgage insurance.program)

Conventional Conforming Loans (Above $300,000)

• 100% no money down (all types of credit) • Minimal money down (usually 5%)
• New or reestablishing credit
• Good credit= prime rates and programs
• Down payment must come from borrowers own funds
• Can not own more than 11 other single family properties
• Closing cost can be financed into the loan (depending on program)
• Trying to get out of paying mortgage insurance.program)

FHA Loans

FHA Loans are mortgage loan financing which is insured and guaranteed by a government agency named HUD. In this type of loan FHA charges a Mortgage Premium upfront along with a monthly charge to cover the risk. These loans are underwritten according to FHA underwriting guidelines. This is for properties that have 1 living units and up to 4 living units. This type loan has a maximum loan amount based upon the county you live in. We can provide this information for you. We providing financing for owner occupied, non-owner occupied and second homes. The following are loan details:

FHA Streamline Refinance

If you have an existing FHA mortgage you can get a streamline refinance mortgage.  FHA will allow you to refinance your mortgage into a better interest rate, different payment term (number of years) and/or different product (going from an ARM to a Fixed rate or via versa).  Here are the benefits to this program:

• No credit check (must have a good mortgage pay history) • No income verification
•No debts verification
• Closing cost are minimal and can be rolled into the loan
• Quick processing time

Even with as little as a .25 percent change in interest rate, streamlining your FHA mortgage will save you thousands of dollars.  Contact us today and we will tell you about your savings and the FHA streamline process.  Complete the Loan application and submit the following items:

1) Photo copy of your drivers license and social security card 2) Copy of your mortgage, note, settlement Statement
3) Copy of your home owners insurance declaration page
4) Copy of your land Survey
5) Copy of your mortgage coupon statement

VA Loans

FHA Loans are mortgage loan financing which is insured and guaranteed by a government agency named HUD. In this type of loan FHA charges a Mortgage Premium upfront along with a monthly charge to cover the risk. These loans are underwritten according to FHA underwriting guidelines. This is for properties that have 1 living units and up to 4 living units. This type loan has a maximum loan amount based upon the county you live in. We can provide this information for you. We providing financing for owner occupied, non-owner occupied and second homes. The following are loan details:

VA Streamline Refinance

If you have an existing VA mortgage you can get a streamline refinance mortgage. VA will allow you to refinance your mortgage into a better interest rate, different payment term (number of years) and/or different product (going from an ARM to a Fixed rate or via versa).  Here are the benefits to this program:

• No credit check (must have a good mortgage pay history)
• No income verification
• No debts verification
• No asset verification
• No appraisal
• Closing cost are minimal and can be rolled into the loan
• Quick processing time

Even with as little as a .25 percent change in interest rate, streamlining your VA mortgage will save you thousands of dollars.  Contact us today and we will tell you about your savings and the VA streamline process.  Complete the Loan application and submit the following items:

1) Photo copy of your drivers license and social security card 2) Copy of your mortgage, note, settlement Statement
3) Copy of your home owners insurance declaration page
4) VA Eligibility Certificate
5) Copy of your mortgage coupon statement

Subprime Loans

Subprime Loans are mortgage loan financing for borrowers who have credit problems. Borrowers who have late payments on credit cards, auto loans, mortgage loans, bank loans, department cards, etc. may fit under a Subprime Mortgage Loan. These loans are underwritten according to private investor underwriting guidelines.  These guidelines are very different for each investor and it is best to consult with a Creative Lending Loan Officer to direct you to the best program for your current situation. 

Our Products

If you are looking to purchase, refinance, pull cash out, pay debts, do home improvements, or any other mortgage service then we can help! Our professional loan officers provide recommendations for the best loan based on your needs.

Residential

We provide mortgage loans for Single Family residences, Town homes, and Condos. We provide mortgage loans for both Purchases and Refinances. All types of credit are welcome. When dealing with your home financing, we not only work with one of your largest personal financial investments; we also handle one of your biggest dreams.

Multifamily

We provide mortgage loans for Multi-Family homes. These homes can be 1 to 4 units. All properties with more than 4 units should look at our Commercial Mortgage loans. We provide mortgage loans for both Purchases and Refinances. All types of credit are welcome. We are here to help, if you choose a multifamily loan we can set you up with an expert!

Commercial

We provide mortgage loans for Commercial Property. We provide financing for properties such as; apartments, health care faculties, storage units, day care, car lots, office buildings, strip malls, hotels, and mixed use properties. We provide mortgage loans for both Purchases and Refinances. All types of credit are welcome.

Construction

We provide mortgage loans for home construction regardless of the type of project. We have lot loans so you can purchase a vacant lot. We have construction to permanent one time close loans so you only have one set of closing cost. We have construction loan financing only to finance your builder. All types of credit are welcome.