MORTGAGES

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• Experience easier budgeting with predictable monthly payments

• Relax knowing you’ll never have to worry about rising interest rates for the life of your loan

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• Lower interest rates in early years of your mortgage program, compared to a fixed-rate loan, means more cash on hand each month

• ARM loan rates and payments may increase after closing

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• HomeReady®/Home Possible® financing designed for affordable homeownership (maximum income limits may apply)

• Lower Mortgage Insurance costs for low to moderate income borrowers, or borrowers financing primary residences in low-income, minority, and disaster- impacted communities

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• Allows borrowers to purchase a home that needs repairs or refinance their existing home and include necessary funds

• Loan is based on “as-completed” value rather than present value. You can finance up to 95% of the value and appraised value which is less

• Renovation costs cannot exceed 75% of the purchase price or value if the transaction is a refinance

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• Purchase your home with limited money required for a down payment

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• Provides opportunity to access larger loan amounts at competitive interest rates

• Seller can contribute up to 6%

• You don’t face a penalty for prepaying your Jumbo loan

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• This loan may be what you need if you are planning to build and finance your new residence

• Construction and permanent financing handled within one loan closing

• Interest-only payments throughout the construction phase

• Interest rate during construction is fixed based

• Construction loan converts to a permanent loan when construction is complete

• Take advantage of quick disbursements to your contractor

• Can be used for renovations

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• Available to eligible current or former members of the U.S. Armed Forces and their surviving spouses

• You have the option to choose up to 100% financing for the purchase of a 1-4-unit primary residence with no down payment

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• Allows for up to 100% financing on homes in eligible areas determined by the U.S. Department of Agricultural Rural Development

• Eligible home buyers can borrow up to the value of their new homes with no down payment required