Residential Mortgages, Home Finance, Florida Lending, competitve interest rates

Which loan program is right for you?
Whatever your situation may be, we have a loan program just for you.* Whether it's a loan to purchase a home, lower your current monthly payments, pay your bills, or improve your credit, we've got it.

*some qualifications do apply.

Fixed to Adjustable Programs

ADVANTAGES

DISADVANTAGES

•	2 and 3 year fixed rate mortgages provide the security and a relatively low fixed interest rate. After the first 2 or 3 years the loan will convert to an adjustable loan in order to obtain a full 30 year fixed loan
•	Allows a borrower 2 to 3 Years to improve their credit

•	Loan will convert to an ARM after the fixed period and payments can increase as rates rise

2 Year Fixed(then ADJ), 3 Year Fixed(then ADJ)

Adjustable Rate Programs

ADVANTAGES

DISADVANTAGES

•	Lower initial monthly payment
•	Lower payment over a shorter period of time
•	Rates and payments may go down if rates improve
•	May qualify for higher loan amounts

•	Payments may change over time
•	Potential for higher payments if rates go up

10/1 ARM, 7/1 ARM, 3/1 ARM, 1 Year ARM, 6 Month ARM, 2/28 2 Year Fixed; 28 Year ARM, 1 month ARM

No Point No Fee Programs

ADVANTAGES

DISADVANTAGES

•	No closing costs
•	Less money required to close

•	Higher rates
•	Higher down payments

No/Stated Income/Asset Programs

ADVANTAGES

DISADVANTAGES

•	No tax returns or W2's
•	No proof of assets or down payment
•	No verification of income
•	Fast approval

•	Higher rates
•	Higher down payments

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