Current Programs - September 17, 2009

-The $8,000 First Time Home Buyer tax credit is set to expire on 11/30/09. If you are a First Time Buyer now is the time to take advantage of this credit and lock in a rate at all time lows

-FHA programs with as little as 3.5% down payment

-Conventional Loans with rates at the lowest levels of all times

-Jumbo Loans up to $3,000,000 including: Fixed Rate Mortgages, Adjustable Rate Mortgages and Interest Only Loans

-Free Pre-Approvals and Second Opinions to ensure you get the best deal

-Non Jumbo Rates for loans up to $729,750 in some areas. Please contact me to see if your home is located in an area that benefits from this short term increase

-FHA Streamlined Programs for those who currently have an FHA loan. In many cases with this option an appraisal is not required so even if values have dropped you will still be able to take advantage of current rates

-Fannie Mae Refinance Plus Program. This is for those who currently have a Fannie Mae insured loan. This is a great product for areas where values may have declined as it will allow you to go to 105% of the current value of the home with no mortgage insurance. Please contact me to see if you are eligible for this program

-Jumbo Loans up to $3,000,000 including: Fixed Rate Mortgages, Adjustable Rate Mortgages and Interest Only Loans