Mortgage Programs

Jumbo Fixed Rate Mortgages
Jumbo, or non-conforming, mortgages have loan amounts that exceed the limits established by The Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac). In 2003, jumbo mortgages have a loan amount in excess of $322,700 for a one-unit property. Loan limits vary by the number of units a property has. Please refer to Conforming Fixed Rate Mortgages for a list of all conforming loan limits.

Balloon Mortgages
Balloon mortgages are typically have a 30-year term with a balloon payment required after 15 years. The interest rate and monthly payment is typically lower than a standard fixed rate. This is an excellent choice if you don't plan to be in your home for a long period of time or you expect interest rates to decline over time.

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Low/No Down Payment Mortgages
Two of the largest barriers to homeownership in America are lack of savings and a less-than-perfect credit rating. We offer affordable financing with flexible guidelines to meet most any need.

Government Mortgage Loans
If you're looking for a great fixed rate program with little or no down payment, an FHA or VA may be a smart choice. An FHA loan typically requires just 3% down and eligible veterans can receive 100% financing through the Veterans Administration.

Home Equity Lines of Credit
access the equity you've built up in your home to finance remodeling projects, pay for education or take a trip to Costa Rica.

3/1 ARM
The 3/1 ARM has an initial fixed rate period of three years. Thereafter, the interest rate and monthly payment then adjusts every six months.

5/1 ARM
The 5/1 ARM has an initial fixed rate period of five years. Thereafter, the interest rate and monthly payment then adjusts every six months.

7/1 ARM
The 7/1 ARM has an initial fixed rate period of seven years. Thereafter, the interest rate and monthly payment then adjusts every six months.

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There has never been a better time to join the homeowners club and enjoy the financial benefits of visiting a wholesale loan outlet where brokers & lenders present their most competitive mortgage rates & home loan programs.

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Submit your application online with M.R.P and you'll get the nations best pricing quickly from the lenders across the country. Give Mortgage Rates Plus the opportunity to check out our loan programs online and you'll see that we mean fast, effective business.

Take advantage of today's historic low rates to make home improvements, lower your payments, consolidate debt, or take cash out. We will connect you with you with 2 to 3 lenders who can help you find you the loan that's right for you, even if you've been turned down before.

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