Loan Programs

We work with multiple lenders and we can provide our clients with extremely competitive pricing. Now you can do all your comparison shopping with one company without wasting time with several banks or brokers.

Fixed Loan

as low as 3% down

  • 30-, 25-, 20-, 15- and 10-year terms available

  • As little as 3% down without assistance or 0% down with down payment assistance

  • Refinance up to 95% of your primary home's value

Adjustable Loan

as low as 3.5% down

  • 3/1, 5/1, and 7/1 ARMs. Monthly payments based on a 30 year repayment schedule

  • As little as 3.5% down

  • The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.

FHA Loan

as low as 3.5% down

  • Minimum credit score usually 620.

  • Post-bankruptcy qualifying - 2 years after.

  • Post-foreclosure qualifying - 3 years after.

USDA Loan

as low as 0% down

  • Property must be located in eligible area (rural/less populated areas)

  • Purchase and Refinance loans available for Primary Residences

  • Refinance loans only available to current USDA mortgage loan holders

VA Loan

as low as 0% down

  • Exclusive benefits for military and veterans.

  • Higher allowable debt-to-income ratios than for many other loans.

  • Competitive interest rates that are routinely lower than conventional rates.

Reverse Loan

homeowners - 62 years or older

  • Line of Credit option provides a “safety net” for the unexpected

  • Monthly mortgage payment is not required (1)

  • Lifetime Monthly Income is an option

Let’s get Started

15/30 can help you begin your home loan journey today through our RapidReady Process.