|
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)*
 Standard
FNMA and FHLMC underwriting.
Cash out on owner occupied loans to
85% loan to value (LTV).
Non-owner occupied loans for both purchase and refinance to
80% 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)*
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)*
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%!
* Conforming loan limits are as follows:
$417,000 - One Unit
$533,850 - Two Units
$645,300 - Three Units
$801,950 - Four Units |
| 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 $850,000
Same as conventional terms above with
slightly higher rates.
FHA Jumbo Program - Loans from $50,000 to $729,000
FHA
Gap program for those who need to refinance NOW!
Program is full documentation only and requires a
minimum 580 FICO score
We
can help if you need to get out the loan you don't like
today! |
| Stated
Income Loan Programs |
30/15 Year Fixed Rate - Loan Amounts to $417,000
(One Unit)*
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. |
| 100%
Financing Loans |
30/15 Year Fixed Rate - Loan Amounts to $417,000
(One Unit)*
No money down on purchases!
Can refinance with no cash out up to 100% and 90% with
cash out.
3% down payment
allowable in some cases. Call for details.
No mortgage insurance options
available also. |
| Second
Trust Deed Programs |
95% Loan to Value Second Trust deeds
- Fixed and HELOC - Loan amounts from $50,000 to $250,000
Borrow
up to $60,000 with no appraisal.
Excellent rates!
Full
documentation only. FICO scores must be 640 or
above.
|
|
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.
