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Things went so smoothly and so timely, I was truly amazed at how easy the company was to work with. They kept me informed the entire time and were so easy to reach. Definitely will recommend to anyone looking to finance their mortgage!
- Sarah H., Irvine

 

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Loan Products for Every Home Buyer

No matter if you’re a first-time homebuyer, seasoned homeowner, or looking to add more real estate to your portfolio, Intelliloan.com has the right products to meet your needs. See all of our loan products below:

Conforming Fixed 30-Year Loan

These loans are available up to $625,500* for single family homes, condos and town homes with down payments as low as 10%. This traditional loan program that Americans have been choosing for years is best for homeowners making a long-term commitment to property. With a fixed 30-year loan your payment will never change, each month the outstanding balance decreases and there is never a prepayment penalty.

Conforming Fixed 15-Year Loan

These loans are available up to $625,500* for single-family homes, condos and town homes with down payments as low as 10%. 15-year fixed loans offer interest rates lower than 30-year loans and are best for homeowners looking to retire debt rapidly. For a few hundred dollars more a month your loan will be paid off in half the time. With a fixed 15-year loan your payment will never change, each month the outstanding balance decreases and there is no prepayment penalty.

FHA Fixed 30-Year Loan

Federally-insured FHA (Federal Housing Administration) loans allow buyers to purchase a home up to $625,500* for single-family homes, condos and town homes with a down payment as low as 3.5%. 30-year, fixed-rate loans are best for buyers who are making a long-term commitment to property and the rate and payment will never change over the life of the loan. There are no pre-payment penalties and you have the option to refinance without appraisal or income qualifications.

FHA Fixed 15-Year Loan

Insured by the U.S. Federal Government, FHA (Federal Housing Administration) loans have been the loan of choice for first-time home buyers with down payments as low as 3.5%. These loans are available for up to $625,500* for single-family homes, condos and town homes and are best for homeowners looking to retire debt rapidly. With a fixed-rate loan your rate and payment will never change, there is no prepayment penalty and you have the option to refinance without appraisal or income qualifications.

5-Year ARM

These loans are available up to 4625,500* for single-family homes, condos and town homes with down payments as low as 3.5%. A 5-year ARM loan is a variable interest rate loan. For the first five years of the loan, the borrower will enjoy a low, fixed interest rate. After five years, the interest rate may adjust up to 1% once a year with a maximum 5% upward adjustment from the starting interest rate over the life of the loan. The 5-year ARM is Federally-insured and recommended for debt-savvy buyers and those who anticipate a change to housing or financial circumstances in the future. A 5-year ARM can be refinanced to a fixed rate at any time.

3-Year ARM

These loans are available up to $625,500* for single-family homes, condos and town homes with down payments as low as 3.5%. A 3-year ARM loan is a variable interest rate loan. For the first three years of the loan, the borrower will enjoy a low, fixed interest rate. After three years, the interest rate may adjust up to 1% once a year with a maximum 5% upward adjustment from the starting interest rate over the life of the loan. The 3-year ARM is Federally-insured and recommended for debt-savvy buyers and those who anticipate a change to housing or financial circumstances in the future. A 3-year ARM can be refinanced to a fixed rate at any time.

*Loan amounts over $417,000 are subject to county loan limits and price adjustments.

For more information on mortgage products available through Intelliloan.com or to ask an expert for free advice on what products are right for you and your family, call now!

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* Competitor rates for comparison purposes only. Intelliloan is not affiliated with any competitor referred to on this website.
Rates valid only for the date indicated and subject to change.

Rates valid only for the date indicated and subject to change. Rates are based on a conventional 30-year fixed rate mortgage to refinance an owner-occupied, one-unit, single family dwelling for a loan of $200,000 that is to be made to a consumer with a debt to income ratio of 35% or less, and a credit guide score of 740+. The loan is based on a 35% down payment. Quotes are for "no cash-out" loans. The rate, terms, pre-paid finance charges and APR may vary based on a number of factors including, but not limited to, the creditworthiness of the applicant(s), self employment status of the applicant(s), condo or townhouse structure, loan amount and geographic location of the property.

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