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Mike Hill
530-693-1566

Equal Housing LenderEqual Housing Lender

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  • Fixed and adjustable rate loans
  • Interest only and interest only during construction
  • Option and investor mortgages
  • $0 down programs
  • Conventional/ Non-conventional
  • FHA and VA loans
  • 9-18 month locks for construction to completion homes
Fixed Rate
Mortgages

30 Year Fixed

20 Year Fixed

15 Year Fixed

10 Year Fixed

The monthly payment is fixed and the rate is protected against interest and monthly payment increases.

Interest
Only
Mortgages

10/20

Interest only payments allow you to pay the minimum payment or as much as you want to pay towards the principle. With this program you can pay a substantial amount of principle in a short period of time.
Adjustable Rate Mortgages

10/1 ARM

7/1 ARM

5/1 ARM

3/1 ARM

Adjustable rate mortgage allows a lower initial monthly payment. Rates are fixed for a period of time and then adjusted. (Great if you are only going to stay in your home for a certain period of time.)

Private Investor Mortgages

 

Interest Only

Construction Loans

Fixed Rate Mortgages

Private investor loans close quickly, and require less documentation.
Stated Income/ Asset Mortgage

30 Year Fixed

20 Year Fixed

15 Year Fixed

Interest Only

This is a program that will not require you to show proof of income or assets. This program will also give you fast approval. (Great for a self-employed borrower.)

Home Equity Line of Credit

Interest Only

Fixed Payments

A home equity line of credit is typically a second mortgage. A borrower is using the equity out of their home for debt consolidation, purchase automobiles, and home remodeling. Interest paid on this loan is tax deductible.

 

 

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