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Loan Options

Whether you're looking for your first home loan or refinancing before retirement, it's hard not to feel like you have to become a lending expert overnight to choose the loan that's right for you. We're happy to report that you can stick do what you do best and let the experts at Loan Simply take care of all your lending questions. Our experienced loan consultants will take the time to understand your needs and help find the perfect mortgage for you.

See if Low Down Payment and Streamlined Loan Programs can benefit you.

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Home Refinancing

Offering the options to match your goals.

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Home Purchases

Let's get you home.

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Fixed Rate

This is our most popular program for refinancing or new home purchases.  Offered in 10, 15, 20, 25 and 30-year increments, you rate will be fixed for the entire term of the loan.

Advantages

  • Fixed Rate over the life of the loan
  • Great for all buyers
  • Allows for a shorter term to pay off your home faster
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Adjustable Rate

If you are planning on staying in a home for 7 years or less, an ARM program might be a great fit for you.

Advantages

  • Lower payment during fixed period
  • Potential for rate to decrease over time
  • Great for borrowers looking to pre-pay their principal
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FHA Mortgage

Backed by the Federal Housing Administration. FHA mortgages offer more lenient underwriting guidelines.

Advantages

  • Relaxed underwriting guidelines
  • Down payments as low as 3.5%
  • Great for first-time buyers
  • Credit scores as low as 580
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Veteran's Loans

Available only to active military and veterans, these loans offer up to 103.5% financing, no money down purchases and 100% cash out.

Advantages

  • Backed by the VA
  • Offers ability to streamline refinance anytime in the future
  • Relaxed underwriting guidelines down to 580 score
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Jumbo Loans

Great for larger home purchases and refinances, we offer an array of options for those borrowing over the Fannie Mae / Freddie Mac county loan limits. (https://www.fanniemae.com/singlefamily/loan-limits)

Advantages

  • Allows borrower to borrower more than the Fannie Mae/Freddie Mac loan limits
  • Best for second homes & vacation homes
  • Allows for 15% down payment
  • Great for refinance or purchase
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USDA Loan

Excellent option for borrowers in rural areas or with high-acreage properties.

Advantages

  • Low monthly mortgage insurance
  • Allows up to 100% financing on purchases
  • Flexible credit guidelines
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Be Prepared

Take a look at our checklist to see the basic documents you’ll need to apply.