Services

Yale Financial Group, Inc. offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:

• Conforming Fixed Rates
• ARM-Adjustable Rate Mortgages
• Closed-End 2nd Mortgages
• JUMBO

Conforming Fixed Rates

• Borrowers wanting the security of stable, fixed mortgage payments
• Purchase customers who plan to stay in their home for the long term
• Borrowers who have a conservative approach towards financing
• Borrowers looking for a fast, simple mortgage

Expanded Approval Fixed Rates:

• Falls short of 'A' credit status and are looking to improve their credit worthiness
• Credit scores below conventional standards
• Risk-averse borrowers who want the stability of a fixed-rate mortgage

ARM-Adjustable Rate Mortgages

• Relocating borrowers seeking short-term security
• First-time homeowners looking to move up, yet unsure of how long they'll stay in their new home
• Borrowers who would normally prefer a fixed-rate loan, but are tempted by the lower rates available on ARMs
• New construction customers looking for extended locks

Closed-End 2nd Mortgages:

• Wants a low down payment and requires a second mortgage to lower payments by eliminating the need for Mortgage Insurance.
• Prefers an amortizing second mortgage versus HELOCs
• Has good credit, but limited assets for a large down payment.

JUMBO

JUMBO FIXED

• Needs a loan amount greater than conforming loan limits
• Wants the security of stable, fixed mortgage payments
• Reluctant to take the risk of an ARM

JUMBO ARMS:

• Relocating borrowers seeking short-term security
• First-time homeowners looking to move up, yet unsure of how long they'll stay in their new home
• borrowers who would normally prefer a fixed-rate loan, but are tempted by the lower rates available on ARMs

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