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| FHA LOANS FOR PURCHASE AND REFINANCE |
| CONVENTIONAL LOAN PURCHASE AND REFINANCE |
| VA LOANS FOR PURCHASE AND REFINANCE |
| CONVERT YOUR ARM TO A FIXED RATE |
| USDA RURAL HOUSING LOANS |
| SOUTH CAROLINA STATE HOUSING PROGRAM |
| 203K LOANS |
| CONSOLIDATE DEBTS/2nd MORTGAGES |
Rates last updated on Friday, December 30, 2011
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FHA LOANS FOR PURCHASE AND REFINANCE
With a fully insured government FHA loan, even customers with some rough spots on their credit could qualify for a great interest rate. And customers with good credit can benefit from lower down payments and often better rates than conventional loans.
* Low fixed monthly payments
* Liberal credit score requirements (typically 640 but can go as low as 600 with some exceptions).
* Purchase up to 96.5% Loan to Value with gift money down payment options including up to $5000 available right now from Greenville County down payment assistance programs.
* Streamline FHA refinance with a NO closing cost option (640 min. credit score)
* Cash out refinancing up to 85% Loan To Value with no rate adjustments for most programs
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| Rates | APR | Points |
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| 3.75% | 3.9% | 0% |
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*Restrictions apply based on income, credit score, and other factors. Rates subject to change daily. See rate disclaimer at the bottom of the page. |
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CONVENTIONAL LOAN PURCHASE AND REFINANCE
Apply now for a low cost conventional PURCHASE or REFI from Upstate Mortgage. We also have great options for low PMI if your loan to value is over 80% on a purchase or rate and term refinance as well as some of the best rates in town!
* Cash out available up to 80% Loan to Value for consolidating high-interest credit cards and loans or for any reason you choose
* Reduce your monthly payments and/or your remaining term - check out the great rates on our 15 year loans right now!
* Great purchase options depending on the amount of down payment
* Lower PMI than FHA if you have a 10% down payment or more
* Loans available for ANY term you choose - from 10 years to 30 years and anything in between - something very few can offer!
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| Rates | APR | Points |
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| 3.75% | 3.98% | 0% |
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*15 year loans typically a half point or lower than 30 year fixed rate loans.
**Restrictions apply based on income, credit score, and other factors. Rates subject to change daily. See rate disclaimer at the bottom of the page. |
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VA LOANS FOR PURCHASE AND REFINANCE
Calling all veterans! You served our country and now you can benefit from 100% financing on your home purchase. Even if you have used your benefits in the past, you may be able to still purchase a home with little to no money down.
* 100% financing
* No mortgage insurance
* Streamline refinances with no appraisal and no cost!
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CONVERT YOUR ARM TO A FIXED RATE
Don't be stuck in that rising ARM rate - That variable rate may be low right now, but that won't last. Convert now before the rates go up!
* Enjoy peace of mind knowing your mortgage payment will not increase
* Lock in to a low, fixed rate for any term between 10 and 30 years
* Possibly lower your monthly payments or reduce the number of years remaining
* Get cash out at the same time if equity allows
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USDA RURAL HOUSING LOANS
One of the few 100% financing loans still available. Get into your dream home with no money down!
*Purchase a home at 100% financing
* Must be in an approved USDA area - call us for details
* Some income restrictions apply
* 620 minimum credit score
* Closing costs can be financed in (in most cases)
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SOUTH CAROLINA STATE HOUSING PROGRAM
We are one of the select mortgage companies to offer this outstanding program just for South Carolinians to purchase their dream home.
* Low fixed rates - currently 4.25% fixed
* Assistance up to $5000 provided for down payment and/or closing costs
* Some income restrictions apply
* Special programs for various employment groups - ask us about current promotions!
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| Rates | APR | Points |
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| 4.25% | 4.61% | 0% |
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*SC State Housing updates their program and rates periodically. Check with us for the current program guidelines and rates available. |
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203K LOANS
Have you found the perfect "fixer upper" ?? Let an FHA 203K loan finance your dream home AND give you the cash for needed repairs. Many times you can get a great deal on a home that needs a little TLC. With this program, you can get the money financed into the loan for one easy payment. Call us today for the details!
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CONSOLIDATE DEBTS/2nd MORTGAGES
Refinance, do a combo loan or stand alone Equity Line or 2nd Mortgage. There are several options for the cash you need. Call us today!
* Low monthly payments with interest only options
* Simplify your finances and get tax deductibility
* Look into a prime based home equity line of credit for a low payment and money available for future use
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