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Loan Programs

Select a Loan Program Perfect for Your Lifestyle

New Home

Signature Mortgage Funding offers a wide variety of loan programs designed to meet just about any residential mortgage or personal loan needs. If you don't see a loan program in the table below that you feel exactly fits your needs, please contact us so we can discuss your specific situation and find a loan program that will help you achieve your goals and realize your dreams.



Loan Program Type Loan Program Definition
Conforming 1st Home Mortgage Fixed Rate for 30, 25, 20, 15, or 10 Years Our most popular program is a fixed interest rate program for the entire life of the loan, where the interest rate and monthly payment do not change. It is primarily designed for customers who are borrowing 80% of the value of their home, or less, and for borrowers with good to excellent credit.
Non-Conforming 1st Mortgage Fixed Rate Program for 30, 25, 20, 15, or 10 Years This program works much like our Conforming Fixed Rate Program, but is designed for customers who need up to 100% financing on their home value without PMI, or for customers with damaged credit.
Conforming 1st Mortgage ARM Program 3/1, 5/1, 7/1, or 10/1 This program has fixed interest rates for 3, 5, 7, or 10 years, then converts to a 1-year treasury bill ARM. These programs are ideal for a homeowner who plans on selling their home in the 3-10 year period that the interest rate is fixed, and do not need the security of a long-term fixed interest rate, as these rates are lower than the Conforming Fixed Rate Programs.
Non-Conforming 1st Mortgage ARM Program 2/28, 3/27 This program offers a fixed interest rate for a 2 or 3 year period of time, then converts to an adjustable rate mortgage. This program carries a lower interest rate than the Non-Conforming Fixed Rate Program and is designed for customers who want the lowest interest rate and monthly payment available, and are prepared to refinance again or accept an adjustable rate mortgage in two or three years.
Jumbo 1st Home Mortgage Fixed Rate Program for 30, 25, 20, 15, or 10 Years Similar to our Conforming Fixed Rate Program, however this program is for loan amounts over $417,000.
Jumbo 1st Mortgage ARM Program 3/1, 5/1, 7/1, or 10/1 Similar to our Conforming ARM Programs, however this program is for loan amounts over $417,000.
80/20 Conforming & Non-Conforming Mortgages 1st & 2nd Mortgage Combo Program This program provides a customer with 100% financing of their home value, but breaks the financing into two loan amounts (80%/20%). This is designed for customers who need 100% financing and want the lowest interest rate available for the majority of their loan amount (80%), and also want to avoid PMI.
Non-Conforming 1st Home Mortgages 103% or 107% This program is designed for customers who need to borrow more than 100% of the appraised value and/or purchase price of their home, to assist with closing costs and other move-in expenses.
Second Mortgage Loans Fixed Rate Program for 20, 15, or 10 Years This program is for customers who do not wish to refinance their existing 1st mortgage, and wish to have a fixed interest rate for the entire life of the 2nd mortgage loan. It is an ideal program for customers who would like to consolidate debt, complete home improvements, etc.
Second Mortgage Loans Fixed Rate Program for 115% & 125% This program is designed for customers who wish to borrow in excess of 100% of their home value. It is ideal for customers with little or no equity in their home currently, but still wish to consolidate high-interest credit card debt, or complete home improvements.
HELOC Program HELOC, or Home Equity Line Of Credit, is a program that serves as an alternative for customers in the market for a 2nd mortgage. This program provides you with a credit line that can be used at the customer's leisure, and has an interest rate that is based on the current prime interest rate as posted in the Wall Street Journal.
Interest Only Loans Interest only mortgages allow you to pay only the interest on your mortgage, thereby reducing your total monthly payment, sometimes considerably. Is an Interest Only Loan Right For You?