The Right Loan Options to Buy Your Home!
Fixed Rate Loans
- 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.
- Buy a home with as little as 5% down (primary home).
- Refinance up to 95% of your primary home’s value.
- Monthly payments remain the same for the entire loan term.
Adjustable Rate Loans
- 3/1, 5/1, and 7/1 ARM’s. Monthly payments based on a 30 year repayment schedule.
- The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.
FHA Loans
- 3.50% minimum down payment required on purchase.
- Minimum credit score usually 620.
- Post-bankruptcy qualifying – 2 years after.
- Post-foreclosure qualifying – 3 years after.
VA Loans
- Competitive interest rates that are routinely lower than conventional rates.
- Sellers can pay up to 6 percent of closing costs and concessions.
- Higher allowable debt-to-income ratios than for many other loans.
- Down payment as low as 0%.
We take pride in providing you with excellent service and appreciate the opportunity to assist you with all your mortgage needs.
LICENSING
America One Mortgage Group - Corporate NMLS# 79460 California Bureau of Real Estate Licensed Broker# 01323980
