Owner Occupied Residential Loans

• Up to and above 100% LTV financing
• No down payment loans
• No income/no asset
• 100% first/second combination loans
• Conforming loans to the maximum limited established by FNMA
• Jumbo loans to $650,000
• Super jumbo loans above $650,000
• Special programs for buyers who do not fit into standard credit guidelines and who have special needs.

Non-Owner Occupied Residential Loans

• 95% purchase loans

Custom Construction

• Local processing, underwriting, and draws
• No early issue title insurance

Home Equity Loans

• Stated income/stated asset
• Lines of credit
• Closed end seconds

Speculative Construction Loans

• Builder guideline system with semi-annual updates for qualified builders.
• Local processing, financing, and construction draws.

Land and Development Loans

• Land Development loans available to guideline builders for pre-approved projects.