No Down Payment Required

Home ownership has never been easier! With stable employment and good credit, down payment is no longer an obstacle.

The Product Solutions Staff is the best in the industry. We've helped thousands of people just like you buy their home. We'll provide you with quick, professional and cost effective options that meet your goals.

We offer a wide variety of No Down Payment Options:

• FHA (with assistance programs)
  • Utilize government sponsored programs for the down payment
    
• Conventional 100% financing
  • Single loan with no down payment
• Combination 80/20 loans
  • Choose from a variety of adjustable rate mortgages or fixed rate for the 1st mortgage
    
  • Some programs allow for an Interest Only minimum payment
    
  • Simultaneous 2nd mortgage can be a fixed rate or equity line of credit
    
  • Maximize your tax deductions by eliminating mortgage insurance
• Finance up to 107%
  • This unique program allows you to finance the closing costs
    
  • Also pay off debt!
    
  • No mortgage insurance - maximize your tax deductions

Apply Now

Self-Employed Borrowers and Alternative Documentation Options

If you are self-employed, documenting income could become a cumbersome task. That's why we offer a wide variety of income documentation loan programs:

Full Documentation

• All of the application information will be verified, including employment, income and assets
  
• Generally, you'll get the best interest rate if you can fully document the loan

Stated Income

• Income is simply "stated" on the application
  
• Tax returns are NOT required
  
• Assets are required and will be verified (ask your loan officer what assets are required)

No Ratio

• Income is simply left blank on the application
  
• Tax returns are NOT required
  
• Assets are required and will be verified (ask your loan officer what assets are required)

Stated Income AND Stated Assets

• Income is simply "stated" on the application
  
• Tax returns are NOT required
  
• Assets are simply "stated" on the application

No Documentation

• Employment is NOT listed on the application
  
• Income is NOT listed on the application
  
• Assets are generally not listed on the application
  
• This is a credit and appraisal (property must be excellent) driven

Generally, the interest rates associated with "limited documentation" loans are slightly higher than full documentation (verify employment, income, and assets). Your loan officer will explain the benefits of each loan program and give you several options to review.

Apply Now

Debt Consolidation

If you have equity in your home, you may refinance the existing mortgage and/or obtain a home equity loan. In many cases, the interest that you pay on mortgage is tax deductible (consult with your tax advisor.) Credit card debt is not tax deductible and if you pay the minimum monthly payment, you'll never pay off the debt.

Our experts will help you design a budget to pay off those high interest rate credit cards and maximize your monthly payment options with added flexibility.

Apply Now

Home Equity Loans

With interest rates starting at Prime - 1.00% and interest only minimum monthly payments, home equity loans may be more cost effective than refinancing your existing first mortgage or obtaining mortgage insurance.

If your first mortgage exceeds 80% of your home's purchase price, you'll be required to purchase mortgage insurance. Why not avoid this added expense? Simply reduce the amount of your first mortgage to less than 80% of your home's value and make up the difference with a home equity loan.

Realize the benefits of a home equity loan.

• Eliminates the cost of mortgage insurance.
  
• Easy to apply alongside your first mortgage.
  
• Finance up to 100% of your home's value.
  
• Enjoy tax benefits* that safeguard your budget (*consult your tax advisor)

Apply Now

Troubled Credit

It is very common to have isolated credit problems due to a variety of reasons, such as divorce, business failure, job layoff, medical bills, etc… If you have late payments, bankruptcy and/or foreclosure, you may still qualify to purchase or refinance. The Product Solutions Team has in-house authority to make quick decisions with competitive terms.

Apply Now