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

MORE INFO

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

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