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| Conforming Loans Conforming long-term, fixed-rate and adjustable loans that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines.
Term: 30 years Maximum Amount: $417,000 |

| 100% Financing Loans Ideal for first-time buyers, these no down-payment mortgages can help reduce or eliminate nearly every cost associated with obtaining a home loan. |

| No Income Verification Loans Ideal for self-employed borrowers with good credit, where income is difficult to verify. |

| Jumbo Loans Jumbo Loans are our specialty from $417,001 to $5,000,000. Fixed rate, adjustable rate and term, interest only loans. |

| Condo Loans Most all existing condo projects in our area are on our approved list. 95% loans as a 2nd home, 90% loans as investment property. |

| Investment Property Loans Investment loans up to 4 units and up to 90% loans on one and two units. |

| Imperfect Credit Loans Allows borrowers with less-than-perfect credit to qualify for competitive rate loans. |

| Construction Perm This one time close mortgage loans save you money! Give us a call for more details! |

| | Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $150,000 with closing costs of $2,500. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $400,000 with closing costs of $5,000. Your actual APR may be different depending upon these factors.
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