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LOAN PRODUCTS

WHERE DO YOU START?

Pondering the idea of buying a new home? That's great! We can put together a quick rate quote and estimate based on today’s rates to help you get a general idea of your new monthly mortgage payments. Eager to know how much house you can afford? A complimentary pre-qualification can help get you started on the path to homeownership!

WHERE DOES ONE START THIS SLIGHTLY OVERWHELMING HOME BUYING PROCESS?

At Lakewood's Summit Mortgage Corporation, when you are ready to purchase a home, you can be ensured that we will give you an exceptional experience that you deserve. We will also be all ears and willing to listen to all your concerns. We will be happy to guide you throughout the home loan process from the absolute beginning to the very tail end and even after the transaction is complete. You can always count on us!

CONVENTIONAL FIXED RATE LOANS

Conventional loans can offer the stability of a low, fixed rate payment that won’t change from month to month, or year to year, and features a wide variety of term options. This option is great for those planning on being in the home for awhile and who might be aiming to put 20% down to avoid the need for Mortgage Insurance (MI).

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VA LOANS

VA home loans are a benefit for our veteran and active duty men and women. Offering 100% financing, no mortgage insurance and flexible qualifying guidelines. Did you know spouses of serving men & women may also be eligible for VA home loans? Thank you for your service!

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FHA & CONVENTIONAL

Offering a variety of great low down payment options along with flexible qualifying guidelines. This can be a perfect option if you are looking to purchase a new home, are a first time home-buyer or interested in refinancing your current home. Options with as low as 3% down with allowable funds to come from friends and family.

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USDA LOANS

USDA loans offer to help individuals with low to moderate incomes, living in eligible rural areas become homeowners and purchase modestly priced homes as their primary residence. Providing qualified home buyers 100% financing including little to no money out-of-pocket.

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RENOVATION LOANS

Found a home you love but needs some work? This may be your best option to finance the purchase of your new home as well as the repairs, upgrades, improvements, and even that new washer and dryer that's now needed for your new home.

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JUMBO LOANS

Needing a loan above the standard conforming limit of $417,000? We have what you need. Our jumbo loans are available as both adjustable rate and fixed rate mortgages with a variety of loan terms to choose.

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ADJUSTABLE RATE MORTGAGE (ARM)

ARMs (adjustable rate mortgages) are a fantastic option for those looking to get the absolute lowest rate possible and who have found a perfect home but know their stay in the home will be between 3-10 years. We have some sublime options for you but it's important you understand exactly how they work.

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DOWN PAYMENT ASSISTANCE

Whether you're a first time homebuyer or not, there are plenty of programs to help make your dream a reality. From state grants, to low down payment programs, to down payment loans, to possibly combining a couple programs. We will be sure to check qualifications and find something to suit your needs.

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REFINANCE / PURCHASE

There can be many reasons you might want to refinance your current home and need to figure out if it's a right decision for you. Or if you're purchasing a new home, you may have several questions on how to go about the process or want to find out the benefits. Take a look below and click on "learn more" to gain the basic knowledge that every consumer should know.

REFINANCE
refi-savings

Use Equity of Home aka Cash-Out Refinance

Lower Interest Rate

Change Loan Terms

Remove Mortgage Insurance

PURCHASE

Multiple Product Options

$10,000 Underwriting Guarantee

Get Pre-Qualified

Receive A Rate Quote

"Homes - the very idea of homeownership evoke a strong emotional reaction in all of us." Spencer Rascoff

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