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Family Housing Concept. Young African American Parents With Two Children Sitting Under Car
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                      " I can't speak highly enough of Adam and his team, His professionalism, Honesty, Integrity and Hard Work Ethics are very much appreciated. Every step of the way was easy. The process was smooth. I highly recommend Advantage Home Loans"

Fixed Rate Mortgages (FRM)
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime. 

  • ​As little as 5% down Payment

  • Flexible Loan Terms, 15, 20 & 30 yr terms

  • NEW** 15% down payment with NO mortgage insurance.

  • Up to 4 Units

  • Use rental income to qualify for a purchase

  • No Appraisal on Owner occupied refinance

FHA Loans
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment. This can be a great way to get your foot in the door on a new home purchase. 

  • Less than perfect credit

  • Some Collections are ok

  • 3.5% down payment

  • Up to 4 units

  • Use rents to qualify for a purchase

VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

  • Zero Down Payment

  • Low Rates

  • No monthly mortgage insurance

HARP 2.0
HARP 2.0 is a refinance option for homeowners that are "underwater," meaning they owe more on their home than their home is worth.

Reverse Mortgages
Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.

What kind of loan program is best for you?
Should you get a fixed-rate or adjustable rate mortgage? A conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.


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