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LOAN PROGRAMS

For current rates on the following loan programs, please contact your local office today!

CONVENTIONAL

A "conventional" mortgage is a loan that conforms to your financial situation and to established guidelines for the size of the loan. Most conventional mortgages have either a fixed or adjustable interest rate. Typical fixed interest rate loans have a term of 15 or 30 years, where as a adjustable-rate mortgages, or ARMs, fluctuate in relation to the rate of a standard financial index.

FHA

An FHA loan is a mortgage insured by the Federal Housing Administration, a governmnet agency within the U.S. Department of Housing and Urban Development. It requires borrows to pay for mortgage insurance, which allows these loans to be offered at more attractive interest rates and with less stringent and more flexible qualification requirements.

VA

Available to more than 22 million veterans and active military members, VA, or Veterans Affairs, loans are somewhat easier to qualify for than conventional mortgages. If you quailify for a VA loan, you may reap the benefits of not needing a down payment or mortgage insurance, and acceptance with lower minimum credit scores.

USDA

Also known as "Rural Housing Loans", USDA loans are mortgage loans that are guaranteed by the U.S. Department of Agriculture, but are also eligible for many suburban areas as well. Newly popular because the program offers no-money-down financing, home buyers can finance 100% of a home's purchase price and receive low interest rates because they are guaranteed against loss by the U.S. Department of Agriculture.

NEW CONSTRUCTION LOANS

A construction loan is typically a short-term loan used to pay for the cost of building a home. It may be offered for a set term (usually around a year) to allow you the time to build your home. At the end of the construction process, when the house is done, you will need to get a new loan to pay off the construction loan – this is sometimes called the “end loan.”

FIRST TIME HOME BUYERS

First-time homebuyer loans offer a low down payment, reduced interest, limited fees and the possibility of deferring payments. These types of loans are offered at a federal level by the Federal Housing Administration and by most states. The FHA defines a first-time homebuyer as a person who has not owned a home for three years. This includes single parents and displaced homemakers who only owned a house previously with a spouse. There are many First Time Home Buyer Loan options to choose from and it’s important to know what your options are so you can find the one that suits your needs and lifestyle.

WHOLESALE

Providing mortgage solutions to mortgage brokers, community banks and credit unions by offering FHA, VA and USDA government loan programs to their customers on a wholesale basis. We take the hassle out of the mortgage loan process! Once we receive the application from the broker, bank or credit union, we take over from there and process, underwrite and close the file in our name. Our in house team of professional mortgage processors, underwriters and closers ensure a smooth transaction time after time.
For more information please contact Ted Kelly- Wholesale Manager 315-288-2262

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Have Questions?

If you're not sure what you may need to get started, give our office a call to speak to a loan officer directly about your unique situation. Or if you think you're ready to get started with some basic information on hand, you can apply online, by phone or in person.

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