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Loan Options

Mortgage Loans	Home Equity Loans
Fixed Rate Loans Adjustable Rate Loans Flexible Loans Programs	Home Equity Line of Credit (HELOC) Home Equity Loan (Second)

Fixed Rate Loans (First Mortgage Position)
A Fixed Rate Loan gives you peace of mind, knowing that you can plan ahead and be aware of exactly what your pricipal and interest payments will be.
Loan Program	Why Choose It	Features	Next Step
30-year Fixed Rate Loan	I want a fixed rate. I want my payments to remain the same for the longest period of time.	Up to 97% ltv (Loan To Value) financing. 100% financing options	Apply Online
20-year Fixed Rate Loan	I want a fixed rate. And I want to pay my home off quicker.	Up to 97% ltv (Loan To Value) financing. 100% financing options	Apply Online
15-year Fixed Rate Loan	I want a fixed rate. I want to pay my home off in 15 years.	Up to 97% ltv (Loan To Value) financing. 100% financing options	Apply Online
10-year Fixed Rate Loan	I want a fixed rate. I want to pay my house off in 10 years.	Up to 97% ltv (Loan To Value) financing. 100% financing options	Apply Online
No Money Down Loan	I don't have money to use as a down payment.	Allows you to buy the most home.	Apply Online
Interest Only Loan	I want to minimize my monthly payments, and save cash for other purposes-debt reduction, investment, savings.	Allows you to buy the most home with the lowest payment.	Apply Online
Stated Income Loan	I cannot or will not document my income. Self employed borrowers often need this option if a significant portion of their income can't be documented.	Gives you the flexibilty of not having to document your income.	Apply Online

Adjustable Rate Loans (ARM's) (First Mortgage Position)
An adjustable rate mortgage gives you the flexibility of a determined fixed rate period of up to 10 years. ARM's are offer fixed rate periods in 1 month, 6 month, 1,3,5,7, or 10 years before converting to an adjustable rate for the remainder of the 30 year loan.
Loan Program	Why Choose It	Features	Next Step
ARM's with fixed time periods	I want to start with a low payment, or want to afford more home. - or - I know I will sell or refinance before the adjustable period begins.	Up to 95% financing available. fixed rate periods in 1 month, 6 month, 1,3,5,7, or 10 years available. Stated income OK 100% financing options	Apply Online
Interest Only ARM's	I want to minimize my monthly payments, and save cash for other purposes-debt reduction, investment, savings. - or - I want to afford the most home possible (by changing my debt to income ratio)	Up to 95% financing available All options of above ARM's can have an interest only period. 100% financing options	Apply Online

Flexible Loan Programs
If your situation calls for a more creative solution, take a look ath the loan programs below. We offer real world solutions for people in all types of credit and income situations. Don't let the dream of home ownership pass you by.
Loan Program	Why Choose It	Features	Next Step
Damaged Credit Fixed Rate Loans	Have the security of a fixed rate loan. Click here to learn more about the flexibility of our Damaged Credit Loans. Available in 30/15 year terms	100% finacing available. Minimum 580 credit score	Apply Online
Damaged Credit ARM (adjustable rate mortgage) Loans	Enjoy a the security of a set fixed rate period and a lower interets rate than a standard fixed rate loan. Click here to learn more about the flexibility of our Damaged Credit Loans. Available in fixed rate periods of 2/3/5 years.	100% finacing available. Minimum 580 credit score	Apply Online
Damaged Credit Interest Only Loans	Both loan types above are available as interest only loans. This will save you money and allow you to pay off high interest credit debt.	Same as above two.	Apply Online

Home Equity Line of Credit
A home equity line of credit is a form of revolving credit which your home serves as collateral. It is basically a credit card that's secured by the equity in your home. Many homeowners use these credit lines for major items such as debt consolidation, travel expenses and home improvements.
Loan Program	Why Choose It	Features	Next Step
Home Equity Line of Credit (HELOC)	Flexible access to funds Potential tax advantages You only draw what you need You only pay interest on what you borrow	Ties up equity making it unavailable for other needs Higher interest rate than a first mortgage	Apply Online

Home Equity Loan (Second Mortgage)
A home equity loan enables you to borrow money in a lump sum against the equity (the value of your home minus what you owe) you have built up in your home. This loan is subordinate to the existing first mortgage. Buyers commonly use a second mortgage to keep their first mortgage in the conforming range (which keeps the rate lower) and to avoid PMI. Home equity loans are often used to pay off credit card debt, buy a car or to make major renovations to a home.
Loan Program	Why Choose It	Features	Next Step
Home Equity Loan (Fixed Rate Second)	Know that your second mortgage payment will remain the same with a fixed rate.	Allows you to take cash out. Or you can consolidate higher interest credit debt.	Apply Online


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Equal Housing Lender. © 2007 Abela Group Home Loans, L.L.C. Trade/service marks are the property of Abela Group Home Loans L.L.C., and/or its subsidiaries. Loan Approval is subject to satisfactory appraisal and title review and no change in financial condition. If the rate is not locked or rate protection expires, any rate increase may lower the loan amount for which the borrower has pre-qualified. *Interest Rates are subject to change without notice. Refinancing or taking out a home equity loan or line of credit may increase the total number of monthly payments and the total amount paid when comparing to your current situation. State Licensing. Privacy & Security.

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