Home Mortgage

Invest in a Home of Your Own

Choose from several Home Loan Programs and explore the options that are most suitable for you.

The conforming and high balance home loan programs are ideal for salaried or self-employed borrowers who can document income and assets required to qualify for the loan.

Find a loan officer in your neighborhood today to learn more about this program or to start an application.

Purpose

Purchase, Refinance and Cash-Out Refinance


Available Programs

Conventional Fixed Rate Mortgage


Terms

  • Available in a variety of loan term options.
  • Your interest rate and monthly principal and interest (P&I) payments remain the same for the life on the loan.

Maximum Loan Amount for Conforming Full Documentation Loans*

1 Unit   $510,400

2 Unit   $653,550

3 Unit   $789,950

4 Unit   $981,700


Maximum Loan to Value

Up to 95% depending on occupancy, property type, and loan purpose


Occupancy

Owner-Occupied/Second Home/Investment


Property Type

  • Single Family Residence (1-4 units)
  • Condominiums (Fannie Mae warrantable)
  • Planned Unit Developments (Fannie Mae approved)
  • Townhomes

Eligible Borrowers

U.S. Citizens and Permanent Residents, Non-Permanent Resident aliens with a valid Social Security Number/Tax Identification Number and proof of current legal residency in the U.S.


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Check out our limited time offer on qualifying home loans and HELOCs.

The Bridge to Home Loan Program is designed for borrowers who do not fit into the “standard boxes” of many of the large lenders. There are various ways to qualify for the Bridge to Home Loan Program with income or assets (not including equity in subject property).

Our mortgage program features include no pre-payment penalty and flexible ARM payment options. Additionally, there is no minimum credit score required if your current history of paying bills is as agreed.

Find a loan officer in your neighborhood today to learn more about this program or to start an application.


Purpose

Purchase, Refinance and Cash-Out Refinance


Available Programs

Adjustable Rate Mortgage (ARM)


Terms

  • 3/1 ARM
  • 5/1 ARM
  • 7/1 ARM
  • 10/1 ARM

Features

  • Your interest rate and monthly principal and interest (P&I) payments remain the same for a defined initial period, then adjusts annually when that initial period is over.
  • Includes an interest rate cap that sets a limit on how high or how low your interest rate can go.

Maximum Loan Amount

$2,000,000


Maximum Loan to Value

60%


Occupancy

Owner-Occupied/Second Home/Investment


Property Type

  • Single Family Residence (1-4 units)
  • Condominiums
  • Planned Unit Developments
  • Townhomes

Eligible Borrowers

Individuals (including married or joint applicants), LLCs, Corporations, Trusts, Foreign Nationals, and Non-Permanent Resident aliens.


This conforming and high balance full documentation mortgage product is designed for low-to-moderate income borrowers and buyers in designated low-income, minority, and disaster-impacted communities. The product has a low down payment requirement and offers flexible qualification guidelines. Full income and asset documentation are required.

Learn more about this loan program or request a consultation with one of our designated Loan Specialists.


Purpose

Purchase, Rate & Term Refinance


Available Programs

Conventional Fixed Rate Mortgage


Terms

Your interest rate and monthly pricipal and interest (P&I) payments remain the same for the life on the loan.



Maximum Loan Amount for Conforming Full Documentation Loans*

1 Unit   $510,400

2 Unit   $653,550

3 Unit   $789,950

4 Unit   $981,700


Maximum Loan to Value

Up to 97% depending on property type and loan purpose


Income Limits

80% of the Area Median Income (AMI) for the property location


Occupancy

Owner‐Occupied


Property Type

  • Single Family Residence (1-4 units)
  • Condominiums (Fannie Mae warrantable)
  • Planned Unit Developments (Fannie Mae approved)
  • Townhomes

Eligible Borrowers

U.S. Citizens and Permanent Residents, Non-Permanent Resident Aliens with a valid Social Security Number/Tax Identification Number and proof of current legal residency in the U.S.


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877.392.5507

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