VA Home Loans
If you served active duty in World War II, the Korean War, the Vietnam War or were a National Guard member or Reservist activated during the Persian Gulf Conflict and served at least 90 days before being honorably or generally discharged, you are eligible for a VA home loan. If you served during peacetime before 1980 you must have had more than 180 days of active service. If you served after 1980, you may have had to serve as much as two years to be eligible.
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Bad Credit Refinance
An adjustable rate loan is often taken on by people with bad credit. If your situation has improved since you closed your first loan and you believe you can qualify for a fixed rate loan, or if you desperately want a lower adjustable rate cap, refinancing can help you. Refinancing to a fixed loan will give you the security of know exactly what your monthly payments will be for the life of your loan, and a low rate cap will give you the knowledge that your adjustable rate will not climb too high. Refinancing may get you a loan with the security that you did not obtain the first time around.
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Home Equity
Home equity is the amount of the value of your home that you own, meaning what you have already paid for. This amount can be calculated by subtracting your mortgage from the total market value of your home. For example a house worth $180,000 with a $100,000 mortgage has an equity of $80,000. Generally, lenders will allow a homeowner to borrow 80-85% of their home equity. Fill out our short form to contact lenders about your home equity loan. Alternatively, a secured home equity loans application can be found here.
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Land Loan
For a land loan, the building company is expert on what kind of property can feasibly be built where. A good builder will provide all of the necessary tests of the land to ensure that it will past muster when put under the scrutiny of a lending institution. Often this added work involves soil sample testing and reviews of zoning laws that apply to the area. All types of qualifications must be met before a lending firm will back the loan.
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Mortgage Calculation
Use mortgage calculation to make sure that the loan you obtain is in action what it appears to be on paper. Use our mortgage calculator to research your terms or apply online to contact lenders about your new mortgage.
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Mortgages Online

The first terms you will come across in determining the conditions you want for your mortgage are fixed and adjustable.

• Fixed rates are constant through out the repayment of your loan and give you the stability of knowing your monthly payment will be the same at the end of your loan as they were at the start.
• Adjustable rates are less predictable because they adjust with current rate indexes and can rise or fall as your repayment period progresses. The lessened stability of this loan is balanced out by lenient qualifying, low introductory rates, and the knowledge that an adjustable rate loan has a cap, or ceiling to keep the rate from rising too high.