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Types of Loans

Contact us to get more information regarding the loan products we offer.  For more information, call 228-872-1020 or email us at MortgageAdmin@fbtonline.com

 Loan Types

 CONVENTIONAL

  • No monthly mortgage insurance with 20% down
  • Up to 97% financed with mortgage insurance
  • Allows for higher loan amounts
  • Down Payment Assistance Available

FHA

  • As little as 3.5% down - funds can be a gift
  • Seller contributions up to 6% of Sales Price
  • Credit scores as low as 580 (Conditions will apply)
  • Streamlined refinance does not require an appraisal
  • FHA to FHA refinance up to 97% financed
  • Down Payment Assistance Available

VA

  • Zero downpayment
  • No Mortgage Insurance
  • Easy Qualification criteria
  • Interest rate reduction loan with no cash out and limited amount of paper work required.

USDA

  • Zero downpayment for qualified borrowers
  • Rural areas only
  • Down Payment Assistance Available

ONE-TIME-CLOSE LOANS (OTC)

  • One application
  • One qualifying and approval process
  • One closing and one-time closing costs
  • Potential to lock in a competitive interst rate right from the start
  • Interest-only payments during construction phase
  • Mortgage loan kicks in after construction and final inspection is complete

 

 

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FBT Mortgage, LLC NMLS #561934
6911 Washington Avenue, Ocean Springs, MS  39564
Office:  (228) 872-1020
mortgageadmin@fbtonline.com
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