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Loan Programs from E.M.C. GROUP INC.

Get A Low Fixed Rate And Save

  • Lock In Low Payments

    With a fixed-rate loan, you never need to worry about changing the payment method. It helps you manage cash flow more easily. Also, you can take advantage of the budget friendly-rates.

  • Ideal for Long-Term Homeowners

    If you plan to be in your home for many years, we have great fixed-rate mortgages available.

  • Great Terms

    You can refinance up to 95% of the value of your home, or buy a home with little money down. There are no prepayment penalties.

Numerous Advantages for Veterans

  • No down payment required

    If you're constantly on the move, saving money can be tough. A V.A. loan can be the ideal solution.

  • No private mortgage insurance

    The federal government backs the loan and assumes the risk normally covered by PMI.

  • Competitive rates

    As our mortgage risk is backed by the government, rates can be slightly lower than with conventional loans. This translates to lower payments, allowing you to build equity faster.

  • Other great terms

    Lenders can count your Basic Allowance for Housing as effective income, enabling you to use some or all of your BAH to make the monthly mortgage payment, and there is no prepayment penalty.

Jumbo Loans for Larger Homes

  • Lock in low fixed rates

    If the rate is slightly higher than with a conventional conforming loan, the rate can be fixed for 15 or 30 years.

  • Ideal for a "move-up" situation

    Normally, conforming loans top out at $417,000. A jumbo loan may be just what you need to get into that luxury home of your dreams!

We’ll assist you in securing home loan pre-approval.