30 and 15 year fixed and ARMS We have VERY competitive 30 and 15 year fixed and variable rate loans for the traditional borrower. Refinance, get cash out, or purchase a home with this popular program. Click here for to see what program you may qualify for.

30 Year Fixed, 2/1 Buydown This loan is extremely popular for clients who are concerned about having the lowest payments for the first years of their mortgage. The loan works like this. Your Azure loan specialist will determine a current base interest rate on this loan, which is usually higher than the best current rates. This is because the first two years of your loan will be subsidized by a slightly higher rate in Years 3-30 of the loan. Essentially, the lender is willing to give you a lower rate in years 1 and 2, for a higher rate in years 3-30. Your interest rate in Year 1 will be 2% below the base interest rate, your interest rate in Year 2 will be 1% below the base interest rate, and, in years 3-30, will be at the base interest rate. However, there is no prepayment penalty on this loan so, at any time, you can refinance into a regular 30 year fixed mortgage. If rates go down, you refinance. If rates go up, you have a pretty good mortgage even in years 3-30 and have paid a large below market rate for the first two years.  

For example, as of 1/25/01, if you wanted a traditional 30 year fixed, you could get it at 6.625%. The current base interest rate on the 2/1 buydown loan is 7.625%. The first year on the 2/1 buydown would be 2% below this base rate at 5.625%, the second year would be 1% below this base rate at 6.625%, and years 3-30 would be at the base rate of 7.625%. Click here for to see what program you may qualify for.

Credit Problems. Bad credit, collections, charge offs, bankruptcies, foreclosures, we have many different programs for many types of situations. Downpayments as low as 5%. Click here for to see what program you may qualify for.

Hard to verify your income or downpayment. With your good credit, we have programs with no income, employment, or asset verification to 95% LTV. Try us! Click here for to see what program you may qualify for.

No downpayment OR closing costs. We have 106% LTV financing programs available. Click here for to see what program you may qualify for.

Foreign borrower. No social security number, visa, or green card required. Income and downpayment aren't verified. Click here for to see what program you may qualify for.