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Loan Programs, we have many options for you…

Conventional Loans

A Conventional Loan may be used to purchase or refinance a new or existing home. For a home purchase, a down payment of least 5% - 20% of the sales price in required. They are ideal for borrowers with excellent credit and have a substantial down payment.

FHA Loans  

An FHA mortgage makes owning your own home possible, by making it easier to get approved than obtaining a traditional loan. The FHA was established to help homebuyers with special needs to purchase a home. You do not have to be a first-time home buyer to use a FHA loan.

Key Benefits to a FHA Mortgage

  • Minimum down payment of 3.5 %
  • Your down payment can be gifted to you
  • Easy credit qualifying
  • Fixed rates available
  • A FHA loan allows seller concessions for closing cost, which means the closing costs can be financed into the loan
  • Several Property types eligible, includes 1 - 4 units, approved FHA condos, town homes, modular homes, and manufactured homes
  • Primary Residence only
  • Chapter 7 and 13 bankruptcies are allowed as long as certain stipulations are met

FHA 203K (Rehab Loans)

FHA's 203(k) Loan programs permits homebuyers to finance the cost of property repairs or improvements into their mortgage, to improve or upgrade their home before move-in. Homebuyers can quickly and easily tap into cash to pay for these cost, such as those identified by a home inspector, consultant or FHA appraiser. It can be used to refinance an existing loan, to improve or upgrade the home.

Veterans (VA loans)

Purchase a home with no money down or refinance up to 100% of your homes equity with a VA Mortgage. VA Home loans offer 100% residential loans for purchases or refinance transactions to help qualified veterans.

Jumbo Loans

A jumbo mortgage is a home loan for an amount above the standard conventional mortgage limits. We offer jumbo mortgage loans ranging from $417,001 to $2 million and offer a variety of mortgage products, including fixed- and adjustable-rate loans. Additionally, you can enjoy benefits such as a low down payment or interest-only payments.

Commercial Loans

Owners and investors of income-producing commercial property have special financing needs. We understand these needs, whether you’re looking to purchase or refinance a building. We will find you the right loan program to help get the deal done. Building types; apartment buildings, office, retail, industrial and mixed-use properties.

Reverse Mortgages

For homeowners age 62 years or older, you can use a reverse mortgage to refinance or purchase a home. Seniors can now buy a home using a reverse mortgage and they never have to make a single payment. To refinance your home, A Reverse Mortgage can give you the financial freedom and extra cash flow you’re looking for. A reverse mortgage lets you convert the equity in your home into cash.

Frequently Asked Questions (FAQS)

You can choose from one of four ways to receive the cash from your reverse mortgage, the choice is yours:

  1. In one lump sum amount
  2. In a line of credit
  3. As a monthly payment
  4. Any combination of the above options.

Call now, 800-801-0708 to get started, or Ask a Mortgage Expert Now!


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NMLS 4855; Regional Home Mortgage; HUD-FHA Approved Correspondent Lender, Equal Housing Lender, Licensed Correspondent Lender by the NJ Department of Banking and Insurance. Registered Mortgage Broker-NYS Banking Department, loans arranged through third party providers, Licensed Correspondent Lender by the Connecticut Department of Banking, Licensed Correspondent Mortgage Lender by the Pennsylvania Department of Banking, Licensed Correspondent Lender by the Florida Office of Financial Regulation. Licensed by the DOC under the California Residential Mortgage Lending Act. Any information provided to Regional Home Mortgage is considered confidential. © 2010 - All Rights Reserved. | Licenses and Disclosures