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Sacramento Alternative Real Estate & Mortgage Co.  
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NMLS 456816    BRE#01743721
THE MANY FLAWORS OF HOME LOANS...

    Home loans used to only come in the vanilla-flavored fixed rate. Now, there are more flavors to fit the varied needs of consumers. Some of you may not have a 20% down payment while others of you may be self-employed or have a low credit score. Just a few years ago, you probably would have been turned down. Today’s mortgage industry has a portfolio of home loans to meet these unique situations.

   Some home loans are available with minimal or no down payments. You can choose from interest only loans or adjustable rate mortgages, which have interest rates that go up or down over a period of time in response to the market. Sub prime and Alt-A home loans are available for those of you with less-than-perfect credit. If you are lucky enough to buy a high-priced home, jumbo home loans are available for mortgages over $500,000. Of course, for the traditional group out there, you can still select fixed interest rate homes loans that extend over 15-, 20-, or 30-year periods.

Making the Right Choice

   To help you decide the flavor of your home loan, you can do all kinds of research on the Internet where various home loans are discussed in great detail. You can learn about the advantages and disadvantages as well as look at charts that compare different home loans side by side. But the best choice would be to work with a mortgage professional. We'll be happy to help you determine which loan is best for you and tell you the best rate we can find. Just give us a call

  We've provided an overview of the various loan programs to help you get an idea of what's available.
Types of Loans and Assistance Programs
Conventional Loans
1.30-Year Fixed
2.15-Year Fixed
3.7-Year
4.5-Year
5.3-Year
6.No-PMI (Private Mortgage Insurance)
97% Loan Financing
7.Fixed arm program available.
8.Lot Loans
9.Construction Loans
10.Commercial Loans
11.Equity Bridge Loans
12.VA Loans
13.Manufactured Homes Loans
14.CAL-FHА (100% loan on 30 years.
Specialty Programs
1.Zero-Down Payment (100% Financing)
2.Bank Statement program only
3.Self Employed Borrowers
4.Poor Credit

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