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Helping you find the right loan for your home.
Loan Types
Fixed Rate Mortgages
Fixed rate loans are available from 30 years down to a 10 year options.
Payment does not change over the life of the loan.
No mortgage insurance options on primary residence loans over 80% loan to value.
No pre-payment penalty.
Adjustable Rate Mortgages
Adjustable rate mortgages available in 5/1, 7/1, and 10/1 ARM’s amortized over a 30 year period (fixed for 5, 7, or 10 years before adjusting).
All option are fully amortized, payment includes principal and interest.
Adjustable rates are typically less expensive than fixed rate options.
FHA Mortgages
Cash out up to 85%.
No pre-payment penalty.
Up to 96.5% finacing available.
Easier to qualify.
Streamline options may be available if you are currently in an FHA loan.
VA Mortgages
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Finance up to 100% of the home’s value.
Rates are typically lower than a conventional mortgage.
Qualify with a higher debt to income ratio.
Funding fee and pest inspection my apply (check with RWB Lending for more details).
Home Equity Loans
Home Equity Lines of Credit
Access to equity without touching your first mortgage
Fixed rate options available from 30 year fixed down to 5 years fixed
No pre-payment penalties
Cash for debt consolidation
Cash for home improvement
Cash for a vacation
Access to equity without touching your first mortgage
Open draw for 10 years
Pay interest only on what is outstanding
No pre-payment penalties
Cash for debt consolidation
Cash for home improvement
Cash for a vacation
Reverse Mortgage
No monthly mortgage payments
Possible access to a lump sum of cash at closing
Possible access to a line of credit for future needs
Minimum age of 55 for a Home Safe Loan or a minimum age of 62 on a Home Equity Conversion Mortgage
