Jacksonville Mortgage - St. Augustine - North Atlantic

Mortgage Loan Programs and Products

For the Purchase or Refinance of
Owner Occupied, Second Home, & Investor Properties

(while most of the programs listed are available for all properties,
some are specific to Owner Occupied and/or Single Family Properties)

Jacksonville Mortgage - Beach FNMA/FHLMC Conforming Loans- 30, 25, 20, 15, & 10 yr. Fixed Rate to 103% financing.

JUMBO Loans ($275,001 and up)- 30, 25,20, 15, & 10 yr. Fixed Rate to 103% financing.

Conforming Piggyback 2nd Mortgages-to eliminate Mortgage Insurance and/or JUMBO rates to 95%.

Conforming and JUMBO Adjustable Rate Mortgages:
1 yr. ARM, 3 yr. ARM, 3/1 ARM, 5/1 ARM
7/1 ARM, & 10/1 ARM to 95% financing

Conforming and JUMBO Extendable 5 yr. & 7 yr. Balloon Mortgage Loans to 95% financing.

Expanded Criteria:

Stated Income.
No Ratio.
No Income/No Asset/No Employment Verification
Investor Properties to 90%.
Condotels.

Construction & Construction/Permanent Loans w/ Extended Rate Locks and Float-down options.

Lot Loans.

VA Mortgage Loans.

Portfolio Products-for loans that do not meet criteria for above loans because of non-conforming property or terms, but the borrower credit/income qualifies.

Non-Conforming Loans-for loans where the borrower has non-conforming credit/income yet sufficient equity exists to make a mortgage loan.

Non-Conforming 2nd Mortgages-to 95% and 100% of purchase price or value.

Relocating? Local Area Information

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