Loan Programs

Circle Mortgage Corporation provides its clients with mortgage products and programs currently available through Fannie Mae, Freddie Mac, and Government insured through third party lenders. The company also works with smaller portfolio institutions such as credit unions, mortgage bankers and private lenders.

Obtaining a mortgage for a home where you will live is a big decision, one that should not be taken lightly or with using risky financial products. When buying a home, the mortgage product chosen should fit into your financial picture and create peace of mind, not a nervous tic. Below are listed the most common products chosen to mortgage a residential property.

Fixed Rate Mortgage

Adjustable Rate Mortgage

Hybrid ARM

FNMA – expanded approval

Bank Statement Only Loans

Government loans

Government programs include FHA, VA, and several HARP programs under the Obama Administration. Although not right for everyone, these government programs can offer valuable mortgage tools for qualified borrowers. Through years of experience and strong relationships with several of the country’s largest government lenders, Circle Mortgage provide  clients with available mortgage products at very competitive rates. It is important that the consumer be educated on the process, terms, and qualifications of their mortgage products and even more important that their loan officer be experienced enough to teach them.

FHA Mortgage

203k Loans

Veteran’s Administration Mortgage

Reverse Mortgage

Streamline FHA refinances

HARP (Home Affordable Refinance Program)

Freddie Mac Relief Refinance Mortgage

Condos and co-ops, mixed use properties and multifamily homes

Not everybody lives in a single family house and some properties require additional steps in order to get a mortgage. With the properties below, the loan process has some extra moving parts and may require additional information and time to close. Look at it as if its two approval processes, one for you and one for the property. Remember that if the lenders does want to offer a loan for the property, you might to want to buy it. These properties allow conventional loan products but there are other alternatives to choose from especially for the small commercial properties.

Condo

Co-op

Multi-Family Home Mortgages

Small commercial properties

Mortgages to grow on

Construction, rehab, and other loans can be hard to come by now. Many builders have resorted to private money or high interest rates. There are, however, viable creditworthy lenders out there that still do construction loans at competitive rates.

Construction Loans

Vacant Land Loans

Purchase-Rehab Loan

Home Improvement Loan

Line of Credit

Please contact for further information at:
dale@circlemortgagegroup.com