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| 30 YEAR FIXED MORTGAGE offers low mortgage rates on purchase or refinance home loans with the security of knowing your payments won't change after you refinance or buy a home, no matter how much rates fluctuate. FHA MORTGAGE Take advantage of refinancing your home with as little as 5% equity. An FHA mortgage refinance offers the benefit of a federally insured home loan with the low fixed mortgage rate you are looking for. JUMBO MORTGAGE Need a larger home loan with a smaller rate and lower payments? Finding the right Jumbo Loan can be difficult. Let our experts do the work for you. USDA MORTGAGE Under the terms of the program, an individual or family may borrow up to 100% of the appraised value of the home, which eliminates the need for a down payment. VA LOANS The VA Home Loan program allows veterans with qualifying income and credit to purchase a primary residence without putting any money down towards the sale price of the home, as long as that sale price does not exceed the appraised value of the home. Veterans do need money towards closing costs as well as earnest money, which the seller generally requires when a sales contract is signed. Closing costs may be paid by the seller, which can be negotiated when the sale price of the home is set. VA JUMBO LOAN Qualifying customers can now apply for a VA Jumbo Loan up to $1,000,000 utilizing the VALoans.com Super Max program. You can apply for a home loan with no money down under new VA Loans Maximum Guaranty Amount guidelines: No money down for qualified borrowers for home loans up to a maximum of $417,000 or the higher limits for certain counties. The VA guarantees the loan up to a maximum guaranty amount of 25% of the loan. Let's find the best loan for you. Once you've found or have the perfect home, you need the perfect loan to pay for it. If you don't see it - ASK Thank You For Choosing Earth Works Trust Mortgage - Home Loans - Refinance - Mortgage Refinance - Mortgage Rates - Home Equity |
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The Most Common Refinance Home Loan Types - Know Your Options Adjustable Rate Mortgage: As the name suggests, this loans interest rate changes through the life of the loan. The initial interest rate of the loan is fixed for a set amount of years and then it adjusts according to the economic index it is linked to. This means it can go up or down after the fixed interest period. The initial fixed rate of the loan is typically lower then that of a fixed rate home loan. Refinance to this if you are certain interest rates will stay low or drop. Fixed Rate Mortgage: This loan fixes your interest rate for a set period of time. This allows you to budget effectively and gives you peace of mind for that period; knowing your monthly payments won’t change. The downside is this loan comes with less features, therefore less flexibility. Most don’t allow you to make extra payments and redraw on the additional funds. Balloon Home Loan: A balloon loan is a mortgage with a fixed interest rate for a set period of years. This period of is typically short, around 7 to 10 years. The advantage of the balloon loan is that the interest rate is almost as low as those found with adjustable rate home loan. Refinance to this with caution. The disadvantage is that when the term is up, the loan is repayable in full. Caution and careful planning needs to be taken to enjoy the advantage of this type of loan without being hurt by it's disadvantage. Home Equity Loan: These fixed rate loans that allow you to tap into your equity; providing you with the funds to renovate, invest in shares, managed funds etc. The annual percentage rate (APR) will stay the same for the life of the loan, so your monthly payments will never vary. However care needs to be taken with these types of loans as it results in a reduction in the equity you have built up in your home. Line of Credit: A line of credit loan basically allows you to draw on your mortgage balance up to the original amount borrowed. So you can tap into the equity you have in your home. In addition, monthly repayments are usually interest only. Essentially, you can borrow what you want at lower interest rates then credit cards and personal loans, and pay it back when you want. Care needs to be taken with this type of loan, as again, you can reduce the equity you have built up in your home. |
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| Need a low payment for your big loan? A Jumbo Mortgage offers a choice between fixed or adjustable rates, with maximum flexibility for home financing for larger loans. Need a loan between $417,000 and $2,000,000? Need flexible rates and terms? Need quick turn-around for your jumbo purchase or refinance? Your search ends here with our jumbo loan experts dedicated to personal service and the best loan options tailored to YOU! Plus. we have an A+ rating with the Better Business Bureau |
| Loan Amounts above $417,000 Lock In Your Lowest Payment Today! JUMBO LOAN Fixed and Adjustable Rates FHA JUMBO LOAN Higher loan limits and lower rates mean easier qualifying VA JUMBO LOAN 0 Down for loans up to your county limit SUPER JUMBO LOAN Loans exceeding $2,000,000 plus |
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