Steve Betow offers a complete array of loan programs and services to meet your needs. We work with the leading lenders in the industry to provide:

100% Financing Loans
Ideal for first-time buyers, these zero down-payment mortgages usually allow the seller to pay up to 3% of the buyers closing costs and prepaid expenses.

103 Financing Loans
With this loan you are allowed to finance 3% of the closing costs, along with 100% of the purchase price.

Conventional Loans (FNMA or Freddie Mac)
Conforming long-term, fixed rate and adjustable loans that meet Fannie Mae and Freddie MAC loan limits and property and borrower guidelines. Maximum Loan amounts change frequently.

B/C Loans (Alternative Financing)
Allows borrowers with CREDIT ISSUES to qualify for a loan allowing them to buy a home or make home improvement, consolidate debt and lower payments. Loan amounts vary.

No Income Verification Loans
Ideal for the self-employed with good credit. Borrowers with 10% down payment will usually get close to market interest rates. Zero to 5% down is available.

VA Loans
Long term, low or no down payment fixed rate loans guaranteed by the Dept. of Veteran Affairs. The seller can pay all costs associated with the loan.

Jumbo Loans
Mortgages that go over the FNMA and Freddie Mac loan limits. Loans of this type are typically $1,000,000 or more.

Home Equity Loans
Second Mortgages on Real Estate that already has a mortgage. Used mainly to consolidate debts, lower payments or for home improvements. Also used as a down payment to avoid paying mortgage insurance.

Pre-qualification
Generally it means you received an estimate of how much you may be able to borrow based on your financial circumstances.

Pre-approval
Pre-approval means you secure an underwriter’s commitment to let you borrow a specific loan amount. Your credit, income, and assets are verified.