Traditional Mortgages

The Rhoades Lending Team offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide the most competitive conventional and government rates and loan programs.

Conventional:

  • 30, 20, 15, 10 Year Fixed & 10/1, 7/1, 5/1 ARM
  • Up to 97% Loan to Value
  • Down to 620 Credit
  • Lender Financed Mortgage Insurance Available

HomePath & HomePath Renovation:

  • 97% Loan to Value - Owner Occupied
  • 90% Loan to Value - Non Owner Occupied
  • No Mortgage Insurance
  • No Appraisal

Niche Programs:

  • Chattel Loans
  • Commercial Financing
  • Hard Money

HARP II:

  • Fannie Mae and Freddie Mac
  • Unlimited LTV / CLTV
  • No Appraisal (per DU/LP Findings)
  • Owner Occupied / Non Owner / 2nd Homes
  • EA-I / EA-II / EA-III
  • No limit on number of financed properties

Government:

  • 30, 15 Year Fixed & 5/1, 3/1, 1/1 ARM
  • 100% Loan to Value - VA
  • 100% Loan to Value - USDA
  • 203(k) Rehab Loan
  • Manufactured Housing Allowed
  • Flips Allowed (<90 days / > 20% increase in price)
  • Down Payment Assistance Programs
  • Reverse Mortgage - FHA