LOAN PROGRAMS

Jumbo / Non-Conforming

  • 15 and 30 year terms

  • Flexible credit qualification

  • Refinance up to 80% of your primary home’s value

  • Fixed and Adjustable rates offered

Conventional

  • 30-, 25-, 20- and 15- year terms are all available with fixed rates

  • Credit scores as low as 620 may qualify

  • 3, 5 and 7 year adjustable-rate mortgage available

  • Refinance up to 80% of your primary home’s value

  • Down payments of 5%, 10%, 15% & 20%

VA

  • 30-, 20- & 15-year fixed-rate and 5-year ARM loans available

  • Refinance up to 100% of your primary home’s value

  • No money down options (primary home)

  • No monthly PMI (Private Mortgage Insurance)

  • Credit scores as low as 640 qualify for VA loans

FHA

  • 30-, 25-, 20- and 15-year terms are all available with fixed rates

  • Credit scores as low as 640 may qualify 5-year adjustable-rate mortgage available

  • Refinance up to 97.5% of your primary home’s value

  • Buy a home with as little as 3.5% down (primary home)

USDA

  • 104% Financing up to the appraised value

  • Minimal Mortgage Insurance

  • Flexible credit qualifications

  • No loan amount limitations

  • Purchase Money Program

THDA

  • Low to moderate income homebuyers

  • First time homebuyers

  • Flexible credit requirements

  • Down payment assistance program

  • Only fixed rate mortgages

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Tami L Barber

NMLS #1030737

(423) 943-9269

Encore Lending Group LLC

NMLS #1249911

206 Wesley St, Johnson City TN 37601

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The information contained in this site has been prepared by an independent third party and is distributed for educational purposes only. This is designed to give helpful tips on the mortgage process and is not intended to give legal advice. Information is considered reliable but not guaranteed. This is not a prequalification, preapproval, loan approval or commitment to lend.