Coventional also known as Conforming Mortgage Loans are mortgage loans that meet the credit and income guidelines of the government sponsored enterprises of Fannie Mae and/or Freddie Mac.

Under their eligible financing guidelines, investors (buyers of the mortgage & note) are offered the comfort of knowing that loans approved by Fannie Mae & Freddie Mac guidelines have a low risk of defualt.

Under Fannie Mae & Freddie Mac underwriting guidelines if you borrower more than 80% of the value of your home you are required to have a mortgage insurance policy that protects the investor (owner of your mortgage) in case you default.

When your credit score is above 620, and your new monthly mortgage payment including property taxes, homeowners insurance and if required Monthly Mortgage Insurance is not more than 43% of your households gross monthly income.

Due to the expanding financial market other loan programs are available that may provided better lending terms without any required mortgage insurance.

By completing our brief online Real Time Loan Quote we will calculate your monthly payments with all products and provide you with real numbers so you can make an educated decision.

VA Mortgage Home loans are one of the best mortgage products you could use for your residential property. Because the Federal Government insures the mortgage lender in case of default or unforeseen losses, mortgage lenders are willing to make loans on more favorable terms than other loan products on the market.

Unlike conventional or traditional mortgage loans that require the homeowner to obtain additional insurance that protects the mortgage lender in case of default, also known as private mortgage insurance, VA loans do not require monthly mortgage insurance. Unlike all other low cost loan products, under VA mortgage loan guidelines you can finance up to 100% the value of your property.

If you are active or a retired veteran and have a credit score of 620 or better. VA Mortgage Loans offer some of the lowest interest rates available coupled with the highest loan to value, meaning you can finance up to 100% of the value of the home or sales price.

Due to the expanding financial market other loan programs may become available that may provided equal to or better lending terms based on your overall credit worthiness, income earnings. You can easily review all eligible lending options by comparing offers that analyze all options for you.

By completing our brief online Real Time Loan Quote we will calculate your monthly payments with all products and provide you with real numbers so you can make an educated decision.

Under the Dodd Frank Legislation, our congressional leaders have defined non qualified mortgage loans as, in general, mortgage loans that fall outside the standard underwriting guidelines of Fannie Mae and Freddie Mac which are the government sponsored enterpises that produce low risk underwriting guidelines.

Simply said, non qualified mortgage loans are for borrowers that have blemished credit due to 30, 60, or 90 days late on credit lines and or excessive collections, repossessions and charge offs. As of January 2014 Mortgage Lenders will start introducing loan products for these borrowers.

If you do not meet the lending requirements of FHA/VA or conventional/conforming mortgage home loans, and you have consistent earnings than you should build your loan and let our system analyze any and all available loan products that you could qualify for.

Due to the expanding financial market other loan programs may be available that may provided better lending terms.

By completing our brief online Real Time Loan Quote we will calculate your monthly payments with all products and provide you with real numbers so you can make an educated decision.

Under the Dodd Frank Legislation, our congressional leaders have defined non qualified mortgage loans as, in general, mortgage loans that fall outside the standard underwriting guidelines of Fannie Mae and Freddie Mac which are the government sponsored enterpises that produce low risk underwriting guidelines.

Simply said, non qualified mortgage loans are for borrowers that have blemished credit due to 30, 60, or 90 days late on credit lines and or excessive collections, repossessions and charge offs. As of January 2014 Mortgage Lenders will start introducing loan products for these borrowers.

If you do not meet the lending requirements of FHA/VA or conventional/conforming mortgage home loans, and you have consistent earnings than you should build your loan and let our system analyze any and all available loan products that you could qualify for.

Due to the expanding financial market other loan programs may be available that may provided better lending terms.

By completing our brief online Real Time Loan Quote we will calculate your monthly payments with all products and provide you with real numbers so you can make an educated decision.