Loan Programs

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Fixed Rate Mortgage

Fixed-rate mortgage offers a fixed interest rate for the life of the mortgage. With this type of mortgage, your monthly payments remain the same throughout its term, and you are not subject to any market fluctuations. When choosing a Fixed Rate Mortgage, you can choose from the following available options:


Advantages of a Fixed Rate Mortgage:

  • Predictable (often fixed) monthly payments for life of the loan.
  • Payments are spread out over a long period of time.
  • No penalties on prepayment of loan.
  • Accelerate the payoff of principal while paying less on interests especially in case of 15-year and 10-year fixed rate mortgages.

Contact us today to discuss your particular situation with our mortgage advisor to decide whether a Fixed Rate Mortgage is the right choice for you or not.

Adjustable Rate Mortgage

An Adjustable Rate Mortgage (ARM) is a 30 year loan term, with a fixed interest rate for an initial period. The interest rate becomes variable for the remaining loan term, based on the ARM product, and adjusts every year thereafter, based on the movement of the market index. For example, a 5/1 ARM would have a fixed interest rate for the first five years, and will then convert to an adjustable rate with annual adjustments for the remaining term of the loan. Get Started


Advantages of an Adjustable Rate Mortgage:

  • Lower early payments as compared to fixed rate
  • Afford a bigger house with lower payments
  • Accumulate savings for a future home

Questions

Contact us today to discuss your particular situation with our mortgage advisor to decide whether Adjustable Rate Mortgage is the right choice for you or not.

Interest Only Mortgage

Interest-only loans offer more flexibility than any other home loan product. It has an initial fixed time frame in which only interest is due, followed by a fully amortized payment for remainder of the loan term. After the interest only portion of the loan expires, the payment will increase. Interest Only Mortgage can be either Fixed-Rate Interest only mortgages or Adjustable-Rate Mortgage. Get Started


Advantages of an Interest Only Mortgage:

  • Offers low initial payments
  • Improves cash flow
  • Afford a bigger house

Interest Only Mortgage options:

  • 3/1 ARM I/O
  • 5/1 ARM I/O
  • 7/1 ARM I/O
  • 10/1 ARM I/O
  • 30/10 Fixed I/O

Questions

Contact us today to discuss your particular situation with our mortgage advisor to decide whether Adjustable Rate Mortgage is the right choice for you or not.

Home Equity Loan

Home Equity Loan is a fixed-rate loan against the equity in your home. The interest rate on a Home Equity Loan is typically higher than the prime rate and the first mortgage rate. The Home Equity Loan requires the borrower to take all the proceeds at the time of closing. Therefore, interest is accrued from the moment you sign the note - not when you start using the money. Get Started


Home Equity Line Of Credit (HELOC)

A Home Equity Line Of Credit (HELOC) is a revolving line of credit secured by the equity in your home. These programs are primarily second lien positions and are most commonly used by consumers to consolidate credit card debt or another kind of debt, and to make home improvements. Get Started


Advantages of a Home Equity Loan

  • Great for emergency reserves.
  • Excellent for debt consolidation.
  • Excellent for home improvement or projects where payments are often made in installments.

Questions

Contact us today to discuss your particular situation with our mortgage advisor to decide whether Home Equity Loan is the right choice for you or not.

Jumbo Loans for Mortgages More Than $417,000

With a jumbo mortgage, you will get low rates for your big loan amount. With a choice between fixed or adjustable rates, our jumbo loans offer maximum flexibility for home financing for larger loans.

Answer the following questions

  • Do you need a mortgage between $417,000 and $2,000,000?
  • Do you need flexible rates and terms?
  • Looking for quick turn-around for your jumbo purchase or refinance?

If you answered "Yes" to any of these questions, a jumbo loan might be right for you!

Get Started

VA Loans

The Veteran Affairs (VA) loan is a government insured mortgage program. A VA loan program may be your best option if you served the US Military, reserves or National Guard. With VA loans, you can borrow up to 90% of the value of your home for cash-out refinancing. If you plan to stay in your home for many years, VA loan can offer you stable monthly payments at very low rates. You may have a better chance qualifying for VA loan as compared to a conventional loan if you have bad credit history.


With VA Loan, you can take advantage of the exclusive benefits such as

  • Flexible refinance qualification
  • Zero or very low down payment requirement
  • No monthly mortgage insurance
  • Less documentation requirement
  • Quicker turn times
  • No upfront mortgage insurance fee or premium
  • Better customer service

Clients eligible for VA Loans

  • A veteran, reservist, active duty service member
  • An un-remarried surviving spouse of a veteran who died in active duty or service related activities.
  • Honorably retired or discharged from military, reserves or National Guard

Get Started


FHA Loans

The Federal Housing Administration (FHA) loans are government-insured mortgage loans. With FHA loans, you can borrow up to 85% of the value of your home for cash-out refinancing. These loans offer fixed rate mortgage with stable and low monthly payments, and other benefits such as:


With FHA Loan, you can take advantage of the exclusive benefits such as

  • Flexible refinance qualification
  • Low down payment
  • Flexible equity, credit and income requirement
  • Better Customer Service

Additional

Please note the FHA mortgage requires mortgage insurance premium and upfront insurance fees.

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Browse our Rates

Rate APR Points Fees  
4.125%4.128%0No Closing Cost Loan!Apply
4.00%4.05%0You pay Third Party fees only!Apply
3.875%3.96%.50You pay Third Party fees only!Apply
3.75%3.98%.75You pay Third Party fees only!Apply
Rate APR Points Fees  
3.875%3.91%0We pay all Closing Cost!Apply
3.75%3.781%0You pay Third Party fees only!Apply
3.625%3.76%.25You pay Third Party fees only!Apply
3.50%3.69%1.00You pay Third Party fees only!Apply
Rate APR Points Fees  
3.375%3.41%0We pay all Closing Cost!Apply
3.125%3.128%0You pay Third Party fees only!Apply
3.00%3.13%.375You pay Third Party fees only!Apply
2.875%3.11%1.00You pay Third Party fees only!Apply
Rate APR Points Fees  
3.25%3.28%0We pay all Closing Cost!Apply
2.875%2.891%0You pay Third Party fees Only!Apply
2.75%2.85%.375You pay Third Party fees Only! Apply
2.625%2.89%1.25You pay Third Party fees Only! Apply
Rate APR Points Fees  
3.375%3.381%0We pay all Closing Cost!Apply
3.125%3.128%0You pay Third Party fees only!Apply
3.00%3.11%.375You pay Third Party fees Only!Apply
2.875%3.09%.50You pay Third Party fees Only!Apply
Rate APR Points Fees  
3.625%3.661%0We pay all Closing Cost!Apply
3.25%3.28%0You pay Third Party fees Only!Apply
3.125%3.26%.50You pay Third Party fees Only!Apply
3.00%3.29%.75You pay Third Party fees only!Apply
Rate APR Points Fees  
3.75%3.80%0We pay all Closing Cost!Apply
3.625%3.651%0You pay Third Party fees Only! Apply
3.50%3.55%.25You pay Third Party fees Only! Apply
3.375%3.48%.75You pay Third Party fees Only! Apply
Rate APR Points Fees  
3.75%3.751%0We pay all Closing Cost!Apply
3.50%3.501%0You pay Third Party fees only!Apply
3.375%3.46%.50You pay Third Party fees only!Apply
3.25%3.38%.75You pay Third Party fees only!Apply
Rate APR Points Fees  
4.375%4.391%0No Closing Cost Loan!Apply
4.25%4.271%0You pay Third Party fees only!Apply
3.625%3.76%.50You pay Third Party fees only!Apply
3.50%3.68%1.25You pay Third Party fees only!Apply

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Why Choose Us Wide Financial

Customer Reviews

  • I just refinanced in October with a different company and it took 2 months to do and was a pain. I had to think long and hard about refinancing again. I was highly impressed with Vibhu Grover. He was very attentive. He would answer questions when I emailed him at 2am. A couple minutes later, I would have an answer. He puts his customers first. I was highly impressed and would use Vibhu Grover again. I was very pleased and have recommended him to others already!

    — Terri | St. Peters, Missouri
  • Received a great rate on a 15 year fixed with the best closing costs I could find. Closing was quick and painless. Thanks!

    — Andi | St. Charles, Missouri
  • Always responded promptly when I had questions and kept me up to date on everything that was happening throughout the purchase transaction. Vibhu was at closing and made me feel at ease. He made sure that all my questions were answered. US Wide Financial is a great company. They care about the people and believe in the business. That's hard to find these days. Thanks for everything.

    — Diana | Chesterfield, Missouri
  • I just wanted to thank you again for all your help with my refinance. It was the smoothest loan process I have ever experienced and think you and your company will do awesome if everyone handles the process like you did.

    — Patti | Kansas City, Missouri
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