VA LOANS

Do you know about the Federal Governments $8000 tax credit? Cash back from US Govt for first time homebuyers and anyone not owning a home in the last 3 years!  Contact us for details...
There has never been a better time to invest in your future!

• No down payment with full entitlement
• Loans up to $417,000 with 100% financing
• Seller contributions
• More flexible income, employment and savings requirements
• Fixed and adjustable rate programs available

FHA LOANS

• As little as 3% down
• Gift funds allowed
• No maximum income limits
• 10 to 30 year loan terms available

FEDERAL HOME LOAN BANK PROVIDES DOWN PAYMENT AND CLOSING COSTS

• Maximum grant $10,000
• Minimum buyer contribution $500
• Be the owner and occupant of the home purchased
• Must stay in the home 5 years
• Other conditions may apply

Don't let down payment or closing costs keep you from getting into your dream home!

USDA RURAL DEVELOPMENT LOAN PROGRAM

• 100% Financing
• 30 year loan term at Fixed Interest Rate
• NO MORTGAGE INSURANCE
• Seller contribution to closing costs No maximum loan amount (based on applicant's repayment ability and 29/41 ratios)
• Loans up to 102% of market value or acquisition cost if necessary to permit financing of guarantee ** fee.

Homes that Qualify

• New or existing homes
• Existing homes must be structurally sound, functionally adequate and met thermal standards.
• No restrictions on size.
• Other conditions may apply

Information Provided By Bank of America:

Tammy Troup
Branch Manager

Kimberly Cytryszewski
Mortgage Loan Officer