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Rates Page

Foreclosure, Bankruptcy, Poor Credit, No Credit = OK!!  We look to the Equity

within the home for our loan decisions.

 

Type                                 Rate  Points APR

Owner Occupied or Buy & Hold Investor Loans (No Pre-Payment Penalty)- 1/29

     




1 Year Fixed, Adjusts Annually Above Prime Rate 10.50% 5.00 11.16%
       

Income Properties (Fix and Flip Loans)

     




75% LTV, Homes 20 Years Old and Newer 14.00% 5.00 14.84%
70% LTV, Homes Older Than 20 Years 14.00% 5.00 14.84%
       

Vacant Land Loans (Raw Land, Subdivided, Etc.)

     
Normally 50% LTV of Current Market Value 18.00% 5.00 19.04%
       

2nd Mortgage Loans (Must provide proof of income)

     
Up To 75% LTV 18.00% 5.00 19.04%
       
       
       
       

The Rates and Fees quoted assume a $100,000 mortgage amount, with closing costs of 5 points, on consumer owner occupied loans.   Points quoted includes all fees to lender and broker (no processing, underwriting or other fees).  Fees for income properties, fix and flip properties, and vacant land may vary. The Rates and Fees are good as of 12-15-2011, and can change at any time.