HOME-EQUITY / HOME IMPROVEMENT LOANS:

Put the value of your home to work for you:

• Home Improvements—Build an addition. New kitchen & bath. New windows.
• Consolidate credit card bills and installment loans.
• Education expenses.
• Investment opportunities.
• Have cash on hand for family emergencies.

100% Home Equity Loans available as much as 100% of the value of your home less your current mortgage balance.

125% Home Equity Loans available up to 125% of the value of your home, less any mortgage balance. $75,000 maximum amount.

Refinancing

CASH-OUT:
Cash-Out Conventional Mortgage-
Cash-Out Refinancing programs may be used for many purposes.
Receive up to 90% of the value of your home. Lower your current interest rates.

• Consolidate and payoff credit cards, car payments and any other bills.
• Home improvements.
• Education expenses.
• Investment opportunities.

Cash-Out FHA Refinance Mortgage

Payoff 1st mortgage and or second mortgage (if applicable) and receive cash of up to 85% of the value of your home all in one loan with one easy, affordable payment.

Cash-Out VA Refinance Mortgage- If you are a veteran and have a DD214 and certificate of eligibility, you may qualify for cash-out of up to 90% of the value of your home.

INTEREST RATE AND MORTGAGE TERM REFINANCING:
Do you currently have 1st and 2nd mortgage payments? Consolidate both into one lower monthly payment. Take advantage of making out only one check each month with a more affordable, manageable mortgage payment. As much as 90 to 97% of the value of your home may also be used to refinance and payoff one single mortgage.

STREAMLINE: Allows clients to lock into a fixed rate and or lower the current rate for no out-of-pocket expense. 12 month credit review on mortgage required. Other delinquent credit is not factored. Cash-out not available for this program. Available for Conventional and FHA Mortgages.