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.
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.
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!