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Mortgage Loan Programs We Offer

These are many of the varieties of Loan Programs which we can provide for you as a Member of The Prime Financial Group. This overview will give you an idea of different loan programs in the category section and the types and varieties section gives you a look at some of the options that are available to tailor a mortgage that will be a perfect fit for your situation.

Do you have more questions or are just curious about something you have not seen before? I am always available to answer your questions!

	Should You Refinance

Conforming Loans
The best rates for the best credit with full documentation of income and assets. Units - $359,650 Units - $460,400 Units - $556,500 Units - $691,600
Jumbo Loans
From $359,600 to 1 million 1 million-1.5 million up to 60% LTV 1.5 million to 2 million to 55% LTV
Non-Conforming Loans
Available for A- credit, B, C and D credit 500 Credit Scores and above up to 100 percent mortgages with 580 and above Interest Only loans for 580 and above
FHA mortgages

	Should You Refinance

Fixed Rate Mortgages
5 varieties of fixed rate mortgages 10 year, 15 year, 20 year, 25 year, 30 year, 40 year read more about fixed rate mortgages
Adjustable Rate Mortgages
6 month ARM 1 year ARM 3 / 1 5 / 1 10 / 1 10 / 1 a 2.25% margin and a 2.75% margin are available. The indexes available are the LIBOR, the Treasury index and also the 12-MTA and COFI read more about Adjustable rate mortgages
Option ARM's-(you choose from 4 options)
either a minimum, interest only, 30 yr or 15 yr payment each month. This loan is tied to the 12-MTA index.
Balloon Mortgages/ Convertible Mortgages
These 7/23 balloon mortgages come with an option to convert to a fixed mortgage at the end of 7 years without having to refinance read more about balloon mortgages.

	Should You Refinance

Second Mortgages
Really just another name for Home Equity loans
HELOC - Home Equity Loans
We offer Home Equity Loans with both a closing cost option and a no-closing cost option
Investment Property Mortgages
Second Homes
Reverse Mortgages
Bridge Loans
Access up to 80% of the value of your current home to use as a downpayment on your new home. Move first, then sell the home! read more about Bridge Loans
Lot Loans

	Should You Refinance

Interest Only
Available on all fixed programs and the 3/1,5/1 and 7/1 ARM programs read more about Interest Only Mortgages.
Cash Out Refinance
100 percent mortgages
Piggyback Mortgages
A combined 1st and 2nd mortgage package to
No PMI Mortgages
We offer an option on a 1st mortgage to take a higher interest rate in return for no PMI - call for details
Alternative Documentation Loans
NIV - no income verification Can't prove your income? We have programs for that NR - no ratios calculated no asset to income ratios are calculated on these loans. NINA - no income, no assets for good credit borrowers, we have programs where no documents are needed.