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This
is a summary of our loan programs. This is not a
complete list of our programs however. Please contact us
with your specific scenario if what you need is not listed
here.
| Conforming
Loan Programs |
30/15 Year Fixed Rate - Loan Amounts to $417,000
(One Unit, $625,000 for high cost areas)*
 Standard
FNMA and FHLMC underwriting.
Cash out on owner occupied loans to
90% loan to value (LTV).
Non-owner occupied loans for both purchase and refinance to 90% LTV.
3% down payment
allowable in some cases. Call for details.
No mortgage insurance options
available also.
3/5/7/10 Year Fixed Rate - Loan amounts to $417,000 One
Unit, $625,000 for high cost areas)*
Great Rates for homebuyers who want a little bit more house for the money.
5% down payment allowable in some cases. Call for details.
1 Year Adjustable Rate - Loan amounts to $417,000 (One
unit,
$625,000 for high cost areas)*
Loans can be based both upon the 1-Year T-Bill or the 11th District Cost of Funds.
Rates start as low as 3.40%! |
| Jumbo
Loan Programs |
30/15 Year Fixed Rate - Loans from $417,000 to $1 Million
Quick qualifying and
funding. No pool insurance necessary.
Great low rates call us for details.
3/5/7/10 Fixed/ARM Loan - Loans from $417,000 to $1,200,000
Same as conventional terms above with
slightly higher rates.
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| Second
Trust Deed Programs |
80% Loan to Value Second Trust deeds
- Fixed and HELOC - Loan amounts from $20,000 to $250,000
Borrow up to $60,000 with a drive by appraisal.
Rates from 8.99% to 11.5%
Liberal qualification guidelines. |
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FHA Financing |
Purchase a New Home With As Little As 3% Down
Usually the best way for first time homebuyers to get
their first home. See more here.
Must income qualify. Can go as high as 45% debt to
income ratio.
100% of down payment mey be a gift. Down payment
assistance is available.
Down to a 620 FICO score.
Learn more
here.
Refinance Your Current FHA Loan to A Low Rate!
No appraisal needed in most cases!
No income qualification.
Must have a current FHA loan. |
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FHA Secure/Home Affordable/Refi Plus |
Help for struggling homeowners.
We have all of the programs
that are government backed to help homeowners refinance
to more favorable terms and interest rates.
Must currently have and FHA, FannieMae or FreddieMac
loan.
Liberal qualification guidelines.
Must income qualify.
In most cases you do not need an appraisal.. |
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Your
home mortgage experience should not be just that, an
"experience". At Janus Mortgage we believe that the
best customer is an informed consumer. That's why we provide
free advice about your mortgage choices.