Available Programs

Purchase:

Buying a home is the biggest investment you will make in your lifetime. Get the facts on financing before you go and look for a new home. Have confidence buying with a loan commitment from I.F.S. We offer no cost loan approvals to make you an attractive buyer to sellers.

• Free prequalification’s with no upfront fees
• Jumbo's & conforming loan sizes
• Arm's, 3/1, 5/1, 7/1
• Interest only options
• 30, 20, 15, and 10-year terms available
• Owner occupied, investments, or second homes
• 80/5/15, 75/15/10, no mortgage insurance required
• Flex 97, no money down, no reserve requirements
• My Community, no money down with low mortgage insurance
• FHA Loans 
• USDA
• VA Loans
• Teacher A +, Firefighter, and Police Officer program.
• Alternative documented programs 
• Lender paid mortgage insurance
• Balloon mortgage
• 2-1 Buydowns

Refinance:

Looking to lower your payments or consolidate debts? Let us show you how a refinance can save you money!!

• Jumbo & conforming loan sizes
• Arm's 3/1, 5/1, 7/1
• Interest only options
• 30,20,15, 10-year terms available
• Debt consolidation
• Cash out for any reason, or rate & term
• No point
• True no closing costs option
• Refinance to get rid of mortgage insurance
• Foreclosure bailouts
• Buyout applicant on title. (divorce, friend, family, roommate)
• Chapter 13 Bankruptcy buyout
• Balloon mortgage
• FHA Streamline Refinances
• VA Steamline Refinances

Home Equity Loans:

Have a great rate on your 1st mortgage but need some additional cash for debt consolidation, a college education or home improvements, check out our wide variety of products to meet your financial needs. Let us Guide you through the options!

• HELOC'S, home equity line of credit
• Fixed rate second mortgage
• Owner occupied, second homes, or investment properties