Fixed-Rate Loans

Clients who plan to stay in their home for a long period of time will find a Fixed Rate Mortgage is an excellent way to lock in a low interest rate for the life of the loan. Home Trust Financial specializes in fixed rate mortgages with 30, 25, 20, 15, and 10-year terms.

• 5% minimum down payment required on purchase  
• Minimum credit score - usually 620  
• Post- bankruptcy: can qualify after 4 years  
• Post-foreclosure: can qualify after 7 years  Post-short-sale: Can Qualify after 2 years (LTV restrictions may apply)