Rate fixed for 3, 5 or 7 years.

Adjustable rate mortgage with introductory payment rates starting at 1.5% and minimum payment schedule for first 5 years. True rate adjusts monthly.  Borrower has the option to pay minimum payment, interest only at real rate or  fully amortized payment. 

Borrower has the ability to select a minimum payment rate for 5 years that could be 2, 3, or 4 per cent below the actual interest rate. Borrower also has the choice of paying the minum payment, actual interest only or a fully amortized payment.

A loan fixed for three years that will allow borrowers with lower credit scores to qualify for a loan. Loan to value is determined by score.

A loan program for borrowers that have credit scores below 500 but have equity in their home or a substantial downp.ayment and an ability to pay.  Programs are 5/25 and 30 year fixed

Loans used for almost any purpose for borrowers that might have a very low rate first mortgage and do not wish to pay it off.

Lines of credit that use the borrower's home as collateral.  They are usually based on prime and have a maturity of 10,  20 or 30 years.  May be used as a first mortgage or as a second mortgage behind a current first mortgage.  Gives the borrower the flexibility of using the credit line as a source of funds for any purpose up to the approved loan amount.

Loans created for borrowers age 62 and over who would like to take equity out of their homes

and not make any payments until they move on.