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Purchase & Refinance

Get the best and lowest interest rate & Pre-qualified in minutes!

Our Lending Division, BR FUNDING has just about every type of loan available. It’s important to know your options whether you’re a 1st time borrower or a seasoned real estate investor.

 

Get the loan information you need, whether you’re buying

• Your first home

• Your next home

• A second home or a vacation home

• A Investment or Foreclosure property

• Mullti-residential Homes

First Time buyer: Buy a home for as little as 3.5% down

Learn more about which loan is right for you!

 

Refinancing: Get the loan you need that meets your goals

• Lower your monthly payment

• Reduce your interest rate

• Pay off your mortgage sooner

• Convert to a fixed-rate mortgage

• Pay for a major purchase or expense

 

Home Loan Rates – Get a Quote

Rates fluctuate daily and we deliver low rates and great service.

Call today for a fresh and accurate quote.

 

Mortgage Loan Types

 

Loan Type Benefits to Borrower Loan Details

Fixed-Rate Mortgage Advantages include predictable monthly payments and the ability to spread payments out over a long period of time. For a fixed-rate mortgage, the interest rate is guaranteed to remain fixed for the stated period of the loan.

 

10-, 15-, 20-, 25-, 30- and 40-year fixed terms available.

Jumbo Mortgage Advantages include predictable monthly payments and the ability to spread payments out over a longer period of time. Loan amounts available up to $2 million. These Fixed and ARM loans are available for up to 40 year terms and are for amounts greater than conventional limits.

 

Jumbo Fixed (10-, 15-, 20-, 25- and 30- year terms available)

Jumbo ARMs (5/1, 7/1 and 10/1 with 10-40 year terms available).

Adjustable-Rate Mortgage (ARM)1 Advantages include lower early payments than fixed mortgages and the ability to take advantage of lower rates in the future. ARMs are ideal for borrowers anticipating moving in a fixed payment period or with shorter term ownership plans. For an adjustable-rate mortgage, the interest rate is fixed for 5, 7 or 10 years (based on the chosen ARM product), and becomes variable for the remaining loan term, adjusting every year thereafter, based on the movement of the index. For example, a 5/1 ARM would have a fixed interest rate for the first five years and then convert to an adjustable rate, with annual adjustments for the remaining term of the loan.

 

5/1, 7/1 and 10/1 ARMs with 10-40 year terms available.

DreaMaker Mortgage Advantages are: credit flexibility allowed, even if you don’t have perfect credit; closing cost assistance may also be available. These Fixed and ARM loans are available for up to 40 year terms and are used to purchase a 1-4 unit primary residence. Up to 95% financing is available on 1-unit residences.

 

Up to 40 year terms available.

FHA Mortgage Advantages include a low down payment2 and flexibility, if you have “less than perfect” credit. FHA Fixed and ARMS are loans that are insured by the government and are used to purchase or refinance 1-4 unit properties.

 

FHA Fixed (10, 15, 20, 25 & 30 year terms available)

FHA ARMs (5/1 & 7/1 – 30 year terms only)