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A TOP-DOWN VIEW OF OUR ADVANTAGE LENDING PROGRAMS
If you have money for a down payment and can put down at least 5%, a conventional loans can be one of the most affordable mortgage choices. A conventional loan can be a great option for those looking to refinance. With reduced fees and great rates, you could save thousands over the life of your loan.
Atlantic Bay offers Jumbo Home Loans, with distinct advantages.
These programs are designed to help credit worthy low-income families who do not meet requirements for conventional loans. FHA loan programs are particularly beneficial to those buyers with less available cash.
VA loan programs are available to eligible veterans for the purchase of a home. VA loans are particularly beneficial to those veterans that do not have much cash available.
A Reverse Mortgage is also known as a Home Equity Conversion Mortgage (HECM). HECMs are FHA’s reverse mortgage program which enables you to purchase a home for a fraction of the selling price.
Atlantic Bay offers 203(K) and Homestyle renovation loans. Our 203(K) renovation loan has lower credit score qualifiers and a lower down payment. The Homestyle loan offers maximum flexibility for construction repairs and remodeling, but generally requires a slightly higher down payment. We also offer streamline renovation loans for upgrades/renovations that are less than $35,000.
*Programs, interest rates, and fees are subject to change without notice. All loans subject to credit approval and property appraisal.