Home Financial Corporation

                          

       

       

Loan Programs:

JUMBO LOANS - Offers 30 and 15 years fixed programs and competitive ARM products with full document.

Cash out and No cash out refinance are allowable.  Single family detached, PUD’s and single-family second homes can be financed with no prepayment penalty. 

90/10, 95/5 - The borrower puts down a 5% down payment and then finances a first mortgage up to the FNMA/FHLMC limit. Other variations are 80/20 or 75/25.

HIGH DEBT RATIO LOANS - Borrowers having the ratio of their monthly bills to their monthly income higher than 50% is considered a high debt ratio.  Loan programs are available for these borrowers, allowing them to finance the purchase of a home or property.

LESS CREDIT - Buyers who have less-than-perfect credit, we offer loan programs that make allowances for real-life financial circumstances.

SELF-EMPLOYMENT - For your buyers with hard-to-prove income, we offer loan programs that are more flexible when it comes to the standard documentation; in other words, we understand that more and more people are self-employed or work outside of the traditional model of employment any way you look at it, this is great news for you.

Introducing Great New Products! 40-year Fixed Rate & LIBOR ARM Mortgages
 
40-year Fixed Rate & LIBOR ARM
- Conforming Fixed Rate: 40-year
- Conforming LIBOR ARMs: 3/1, 5/1, 7/1, 10/1

Borrower Profile:
- Higher-cost areas
- Irregular income
- Needing Fixed Rate loan with lower monthly payments
- First-time homebuyers
- Low-moderate income