Any loan under $214,600 is classified as a conforming loan. Amounts over that fall into the Jumbo category. Below is only a partial list of products that we carry and the one that are most frequently used. Other products available upon request.

• 15, 20, and 30 year fixed.

• Adjustable Rate Mortgages (ARM) The lowest start rate available in 6 months.

• ARM, other options include the 1 year, 3 year, 5 year, 7 year, and 10 year.

Consolidate your high interest credit cards and still have money left over to do home improvements. Let the tax advantage work for you and get the cash you need to make the improvements that you would like to do. Simply subtract the first mortgage from 125% of the value of the home and you have your loan amount.

For clients who can not qualify under conventional financing. The three main reasons why people wind up in a non-conforming loan are debt ratios are too high, the property itself, and credit issues. Below is a more detailed explanation.

Today, society has placed the burden of everyone contributing to the total picture in order to make ends meet. The federal government better known as Fannie Mae and Freddie Mac impose rules and regulations upon all borrowers. Their guidelines say it is a good idea not to exceed 33% of your gross income on a mortgage payment and 38% of the gross income on all debts. It is not uncommon to see a 50% debt ratio. We can still help. We have other sources.

Occasionally, the property will not conform to the area in which it is located. Good examples would be homes with 20 acres or more, log cabins, or a single wide mobile home. We can still help. We have other sources.

Statistics tell us that everyone has not so perfect credit. You might even have been turned down by another lender, been late on mortgage payments, credit card payments, or have had to file bankruptcy. We can still help. We have other sources.