Learn a little more about the products we offer:
BILL CONSOLIDATION LOANS: Use the equity of your home to combine your debts; credit cards,
cars, medical bills, student loans, or simply get cash in hand.
HOME EQUITY LINES OF CREDIT: Works like a credit card against your home. Draw from the credit
line for any reason at any time.
FHA LOANS: The Federal Housing Administration, a government agency, allows buyers who might
not otherwise qualify for a home loan to obtain one because the risk is removed from the lender and
taken on by FHA.
CONSTRUCTION LOANS: A loan that allows that the building project of a new home. Generally
requires a minimum of 5% down.
REFINANCE FOR A LOWER RATE: As equity builds in your home and/or credit gets stronger,
individuals will typically qualify for a lower interest rate with one or both of these factors.
INVESTMENT / RENTAL PROPERTIES: A property where the owner does not occupy the unit(s).
These properties can be refinanced as well as purchased with little or no money down.
ADJUSTABLE RATE MORTGAGE (ARM): Loans with and adjustable rate will be fixed for a short
period of time and then after this specified period they will begin to change. These are great
"band-aid" loans that allow a temporary fix to have time for fixing credit, doing improvements to
increase value etc. Adjustable rates are almost always lower than fixed rates.
FIXED RATES: These loans have a fixed rate and payment over the life of the loan. You are
protected whenever the market rates increase; however, these rates are generally a little higher than
the adjustable rates.
BANKRUPTCIES OK: Keeping up on credit is important through the bankruptcy process; however,
even with a bankruptcy a home can be purchased or refinanced with little or no money down. The
better you handle your credit through the bankruptcy process the more flexible the programs you will
qualify for.
NO MONEY DOWN PURCHASES: Even with a few credit dings many individuals can qualify for a
new home with no money down. However, there still may be a few out of pocket expenses such as
homeowners insurance.
HOME IMPROVEMENT LOANS: These loans can be in the form of a first mortgage or a second
mortgage and allow for getting cash in hand to do any kind of improvements on a home.
LAND CONTRACTS: Many individuals will opt to purchase a home on contract rather than outright
through the lending process. This is a good way for someone who cannot qualify for financing to get
into a house. The contract can be refinanced into a mortgage after a little time in the home, generally
requires a minimum of 12 months depending on credit and the amount of equity gained. It is crucial to
make these contract payments by a bank check in order to get the best financing possible.
SLOW CREDIT OR NO CREDIT: It is still possible to qualify for a new home or a refinance even with
a few late payments or having no credit at all. We can also help give you the advice you need to get
back on track or establish your credit.
FORECLOSURES: Losing a home can be devastating but it is possible to qualify for a new home even
with a prior foreclosure.
SELF EMPLOYED / NO INCOME VERIFICATION: Whether self employed, a W-2 employee or
someone who's primary income is based on cash transactions these loans offer flexibility on what is
verified for the household income.
125% LOANS: This loan is a second mortgage that allows you to borrow up to 25% above the value
of the home. They can be cash out for improvements or funds for consolidation.
INTEREST ONLY LOANS: This is a loan where your payments are solely based on interest alone.
Your principal balance will never change with this loan for as long as you are only paying the
interest. Your payments are a little lower than a typical mortgage payment.
COMMERCIAL LOANS: Loans for a property that is used for business purposes.
MEMBER OF BBB: We are long standing members of the Better Business Bureau and we encourage
you to review the records of ourselves as well as that of our competition.
BILL CONSOLIDATION LOANS: Use the equity of your home to combine your debts; credit cards,
cars, medical bills, student loans, or simply get cash in hand.
HOME EQUITY LINES OF CREDIT: Works like a credit card against your home. Draw from the credit
line for any reason at any time.
FHA LOANS: The Federal Housing Administration, a government agency, allows buyers who might
not otherwise qualify for a home loan to obtain one because the risk is removed from the lender and
taken on by FHA.
CONSTRUCTION LOANS: A loan that allows that the building project of a new home. Generally
requires a minimum of 5% down.
REFINANCE FOR A LOWER RATE: As equity builds in your home and/or credit gets stronger,
individuals will typically qualify for a lower interest rate with one or both of these factors.
INVESTMENT / RENTAL PROPERTIES: A property where the owner does not occupy the unit(s).
These properties can be refinanced as well as purchased with little or no money down.
ADJUSTABLE RATE MORTGAGE (ARM): Loans with and adjustable rate will be fixed for a short
period of time and then after this specified period they will begin to change. These are great
"band-aid" loans that allow a temporary fix to have time for fixing credit, doing improvements to
increase value etc. Adjustable rates are almost always lower than fixed rates.
FIXED RATES: These loans have a fixed rate and payment over the life of the loan. You are
protected whenever the market rates increase; however, these rates are generally a little higher than
the adjustable rates.
BANKRUPTCIES OK: Keeping up on credit is important through the bankruptcy process; however,
even with a bankruptcy a home can be purchased or refinanced with little or no money down. The
better you handle your credit through the bankruptcy process the more flexible the programs you will
qualify for.
NO MONEY DOWN PURCHASES: Even with a few credit dings many individuals can qualify for a
new home with no money down. However, there still may be a few out of pocket expenses such as
homeowners insurance.
HOME IMPROVEMENT LOANS: These loans can be in the form of a first mortgage or a second
mortgage and allow for getting cash in hand to do any kind of improvements on a home.
LAND CONTRACTS: Many individuals will opt to purchase a home on contract rather than outright
through the lending process. This is a good way for someone who cannot qualify for financing to get
into a house. The contract can be refinanced into a mortgage after a little time in the home, generally
requires a minimum of 12 months depending on credit and the amount of equity gained. It is crucial to
make these contract payments by a bank check in order to get the best financing possible.
SLOW CREDIT OR NO CREDIT: It is still possible to qualify for a new home or a refinance even with
a few late payments or having no credit at all. We can also help give you the advice you need to get
back on track or establish your credit.
FORECLOSURES: Losing a home can be devastating but it is possible to qualify for a new home even
with a prior foreclosure.
SELF EMPLOYED / NO INCOME VERIFICATION: Whether self employed, a W-2 employee or
someone who's primary income is based on cash transactions these loans offer flexibility on what is
verified for the household income.
125% LOANS: This loan is a second mortgage that allows you to borrow up to 25% above the value
of the home. They can be cash out for improvements or funds for consolidation.
INTEREST ONLY LOANS: This is a loan where your payments are solely based on interest alone.
Your principal balance will never change with this loan for as long as you are only paying the
interest. Your payments are a little lower than a typical mortgage payment.
COMMERCIAL LOANS: Loans for a property that is used for business purposes.
MEMBER OF BBB: We are long standing members of the Better Business Bureau and we encourage
you to review the records of ourselves as well as that of our competition.
Products:
- Bill Consolidation Loans
- Home Equity Lines of Credit
- FHA Loans
- Constructions Loans
- Refinance for a lower rate
- Investment / Rental
Properties - Adjustable Rate Mortgage
(ARM) - Fixed Rates
- Bankruptcies OK
- No Money Down Purchases
- Home Improvement Loans
- Land Contracts
- Slow Credit or No Credit
- Foreclosures
- Self Employed / No Income
Verification - 125% Loans
- Interest Only Loans
- Commercial Loans
- Member of BBB
Contact us:
260-637-7788
866-471-3339
10536 Coldwater Rd.
Fort Wayne, IN 46845
260-637-7788
866-471-3339
10536 Coldwater Rd.
Fort Wayne, IN 46845
Mainstream Mortgage
PRODUCT DESCRIPTIONS:
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