 ...Wherever your dreams and goals lead you, All State Home Loans is totally committed to helping you with your financial needs as you grow and change over many years. All State Home Loans is a wholesale broker approved with several lenders, many that offer preferred pricing because of our company's integrity. That means we'll guarantee the best interest rates available to you or we'll give you $500. That's our commitement to you. |
- Mortgages and LoansFixed Rate Mortgages
Fixed Rate mortgages guarantee that the interest rate you start with will remain constant throughout the life of the loan. We offer loan terms from 10 to 30 years to meet your needs. We can even customize your loan with features such as a buydown, which reduces your payment amount for the first few years, or a bi-weekly, which reduces the term and total interest payments over the life of the loan. We have pioneered the 'piggy-back' mortgage, where we couple a second trust with our first trust. This eliminates the need for private mortgage insurance which reduces your monthly payment. We offer piggybacks with fixed or adjustable rate mortgages.
FHA & VA
Platinum First Mortgage provides both FHA and VA loans to meet your needs. If you are a veteran and have a 'Certificate of Eligibility,' you may want to use it to purchase a home with no down payment. If you are not a veteran, you may qualify for a FHA loan with a small down payment. Talk to us today to help you make the right decision that best fits your situation.
Adjustable Rate Mortgages
Adjustable rate mortgages have an interest rate that may increase or decrease depending on market conditions. The starting rate will generally be lower than a fixed rate mortgage. The change in the rate may occur at various intervals depending on the product you choose. We have interest rates with the first adjustment from one to ten years.
Lot Loans
Through our affiliation with National City Mortgage, we are able to provide financing to purchase your lot. We are committed to helping you through the entire building process. That makes this one of the best financing programs available.
Construction/Permanent
Through our affiliation with National City Mortgage, you can build the home of your dreams with our 'One Time Close' construction permanent mortgage loan. Advantages to the buyer are the convenience of one loan application, one closing, assurance of having your permanent loan prior to construction and a guaranteed rate with the option of a lower rate at completion, should rates go down.
Jumbo Loans
If your hard work has paid off and you're looking to build a distinguished home, we offer a jumbo loan that will make your dream a reality. The more you borrow, the more you may be able to maximize your tax deduction for mortgage interest.
You'll benefit from a quick application process with flexible underwriting. And, of course, you'll have the choice of a fixed or adjustable rate.
Permanent Loan
If you've already completed the arrangements for construction financing, we offer a wide variety of permanent financing options. Programs range from fixed and adjustable rates to FHA/VA financing. Talk to your Loan Originator about our competitive rates and programs.
Equity Bridge Loan
If you need new home financing while waiting for your existing home to sell, we can help. Through our affiliation with National City Mortgage, we can provide you with an Equity Bridge Loan that can use the equity in your current home toward the down payment on your new home.
- Mortgage Terms Glossary
Click here to view Mortgage Terms Glossary
