Products:

• 30, 25, 20, 15 and 10 year fixed Conforming, Government (FHA/VA) and Jumbo loans.
• ARMs.
• A MH Residential Loan Program that allows borrowers mortgaging qualified homes to obtain comparable site-built rates and underwriting.
• Non-conforming, Invoice-Based Advance mortgages for real property, using land-only appraisals and home invoice.
• A "Retro-Fit" Program that allows homeowners to convert non-compliant foundation systems to a conforming foundation and numerous refinance options.
• Various Alt-A "Niche" programs including cash-out and debt consolidation refinances, "Buy-For" by relatives, and second homes (call 888-796-5263 for details).
• Cash-Out, Debt-Consolidation and Refinance Options.
• HUD-184 Native American Program loans (call 888-796-5263 for details).
• Limited chattel loan financing (call 888-796-5263 for guidelines and requirements).
• One and Two Close Construction-to-Permanent, and End Close loans.
• Modular homes are eligible for any and all residential property mortgage products.
• MH Wholesale Lending Programs.

Property Types:

• HUD-Code Manufactured homes (single-section and multi-section) and modular homes (on-frame and off-frame) permanently affixed to the property for all mortgage products.
• Manufactured Homes built after 1970.
• Chattel financing is available (call 888-796-5263 for specifics).

Property Size:
40 acres and less is the norm. Call for specific limitations by product type.

Occupancy:
Owner Occupied, Primary or Second homes. Investment property loans are also available.

Purpose:
Purchase including Construction-to-Permanent loans, rate/term refinance, cash-out or debt-consolidation refinance, foundation retro-fit or home-equity loans.

Maximum LTV:
Conforming Loan (Fannie Mae/Freddie Mac) limits - 95% appraised value.
FHA approximately 97%.
Product specific limits apply.

Loan Limits:
Conforming loans up to $417,000. Jumbo loans are subject to available comparable sales.

Mortgage Insurance:
Required on all loans with LTVs over 80%.