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Fully Amortizing Fixed Rate and High Balance The standard in mortgage lending.  Offering competitive rates for a  multitude of borrowers and financing situations.     


Fannie Mae HomeReady -  Designed to serve today's market of creditworthy, low to moderate  income borrowers, with expanded eligibility for financing homes in  designated low-income, minority, and disaster-impacted communities. A  great option for first-time homebuyers and qualified borrowers who may  lack the funds for a larger down payment. 

Freddie Mac Home Possible & Home Possible Advantage -  Designed to meet the needs of low and moderate income borrowers by  providing flexible financing options that help them achieve  homeownership.                             


Texas Equity 50(a)(6)  - Offers flexible financing on the refinance of any Texas property is  currently or has previously been subject to a cash-out refinance  transaction.      

HomeStyle Renovation -  Provides a convenient and economical way for borrowers considering  moderate home improvements to make repairs and renovations with a  single-close first mortgage.              


DU Refi Plus -  Offering reduced verifcation and documentation to qualifying borrowers  who have an origanal Fannie Mae morgage with a note date prior to Jun 1,  2009.          

Relief Refinance Mortgage - Open Access  - Offering reduced verification and documentation to qualifying  borrowers who have an origanal Freddie Mac morgage with a note date on  or before May 31, 2009.

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FHA  Standard 203(b)  - The centerpiece of FHA's single family mortgage insurance program.   It allows a person to purchase or refinance a principal residence,  often with lower credit restrictions and smaller down payments than  their Conventional counterpart.                       

FHA 203(b) Repair Escrow - Intended to facilitate uncomplicated rehabilitation to a home being purchased from HUD.        


FHA Streamline Refinance -  This program was specifically designed to help existing FHA homeowner's  lower monthly mortgage payments and interest rates with minimal  documentation and without the need for an appraisal.                  


FHA Standard and Limited 203(k) Rehabilitation Mortgages -  Used to purchase or refinance a home that needs rehabilitation or major  repairs.  Rather than having to obtain a separate loan to finance the  cost of the repairs or walking away from a home they love because they  don't have the cash for home improvements, the FHA 203(k) allows you to  finance the rehab costs within the first mortgage.          


FHA & VA One-Time Close -  Finance the construction, lot purchase, and permanent mortgage all with  a single One-Time Close loan. No Re-Qualification.  No Second  Appraisal.                        

VA Fully Amortizing Fixed -  A program established by the United States Department of Veterans  Affairs to help veterans and their families obtain home financing.       


VA IRRRL -  The VA Interest Rate Reduction Refinance Loan lowers your interest rate  by refinancing your existing VA home loan.                    

Guaranteed Rural Housing (USDA) -  Loan Program is designed to assist households in obtaining adequate but  modest, decent, safe and sanitary dwellings and related facilities for  their own use in rural areas. Loans are limited to applicants with  incomes that do not exceed state and local Rural Development (RD) median  income limits and property that is designated as rural by RD.   Borrowers can finance up to 100% of the appraised home value or a  borrower can have a gift or grant go toward a down payment with no money  out of pocket.

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Jumbo Loans –  We offer a variety of Fixed & Adjustable rate jumbo products from  453,100 to 2.5M with Fico scores as low as 680.                    

New! Low Down Payment Jumbo -  High CLTV, up to 95% for Primary Residence Purchases, for the Full Doc  Jumbo Loan Program. Available for loans over $453,100 up to a max loan  amount of $1,500,000  


Jumbo Split –  Provides an option for jumbo properties to split financing between a  first and second lien in order to avoid increased jumbo pricing and  lower LTV limits. 1st lien loan amounts to 424,100 and second lien loan  amounts up to 600,000. 90% CLTV standard, with exceptions to 95% CLTV in  some cases.                 

Jumbo Elite -  Exclusive rate incentives for borrowers with 700+ FICO.  Loan amounts  up to $2 million.  Eligible for primary and second homes.  Fixed rate  and ARM loans available.              

Reduced Doc Jumbo -  Provides -  Escrow Holdbacks -  Now allowing Escrow Holdbacks to allow for  repairs/improvements after closing, Including Pools.   NO ADDITIONAL  PRICING HITS APPLY. Excludes 30 yr Fixed Jumbo product, No foundation or  roof repairs allowed.

Loan Product Enhancements -  Escrow Holdbacks -  Now allowing Escrow Holdbacks to allow for  repairs/improvements after closing, Including Pools.   NO ADDITIONAL  PRICING HITS APPLY. Exludes 30 yr Fixed Jumbo product, No foundation or  roof repairs allowed.