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Horizon Mortgage offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:
 
Conventional Loan
FHA Loan
Hard Money or Private Loan
Reverse Mortgage

Conventional Loan
Minimum Credit Score of 640 Down Payment as low as 3% FNMA or Freddie Mac

Term: 30 years   Maximum Amount: $650,000
 
Due to recent changes in FNMA and Freddie Mac guidelines, it is easier than ever to qualify for a confirming conventional loan.

FHA Loan
Credit Score as low as 580 or no Credit Score Low Down Payment Flexible Monthly Payment Purchase or Refinance

Term: 30 years   Maximum Amount: $417,000
 
It is easier than ever to qualify for an FHA Loan. Please contact us to determine if you qualify for a mortgage loan.

Hard Money or Private Loan
No credit requirement Minimum 30% Down Payment Investment Property Only

Term: 5 years   Maximum Amount: $5,000,000
 
This type of loan is investor seeking funds for a short term usually less than 5 years.

Reverse Mortgage
If you are at least 62 year old, you may qualify for a reverse mortgage which allows you to live in your home with no monthly mortgage. In some cases, you may receive a monthly payment. For additional information, please contact us.



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.