ZenLoans has a mortgage loan program to fit almost every financial need imaginable. Here are few of the many programs that we offer. For more information, please click on the program you are interested in.
- Conventional/ Conforming 30 Year Fixed (good credit loans) *
- The best fixed rates are found on conventional financing.
- Conventional Adjustable Rate Mortgage Programs (ARM) *
- Great for customers who want a lower payment than can be found with fixed rate loans.
- Low Down Payment (Flex 97 Program) *
- A conventional program designed for new first time home buyers that requires a down payment of only 3%.
- Zero Down Payment (80/20 Programs) *
- With no down payment required, this program is perfect for the customer who has limited funds available and does not mind paying a slightly higher interest rate.
- Interest Only Programs *
- This program is the perfect solution for the customer who wants the lowest possible payment.
- Home Equity Loans (HELOCS) *
- A great choice for the customer who wants a flexible line of credit for emergencies, small home improvements and just about anything else you can imagine.
- ALT A Loans (Slightly Damaged Credit Loans) *
- Alt A loans are designed for people who may have had minor problems with their credit and may not qualify for a conventional loan.
- Damaged Credit Loans (Subprime Programs) *
- Sub-Prime mortgages are great for people with less than perfect credit who have recently declared bankruptcy, been late on multiple bills, have open collections or judgements.
- Jumbo Financing *
- Jumbo mortgages are designed for the customer who intends to borrow a large amount of money to purchase or refinance a home.
- Stated Income Loans (Hard to Document Income) *
- Designed for the borrower that has income sources that may be difficult to document and do not receive a weekly paycheck or W-2.
- Veterans Loans *
- If you have served in the Armed Forces you may be eligible for a no down payment Veterans Administration Loan.
- Chapter 13 Bankruptcy Buyout *
- If you have declared Chapter 13 Bankruptcy and own a home, why not consider using your equity to buy yourself out of your Chapter 13 Bankruptcy.
- Pay Option Arm *
- The pay option ARM is a great choice for the customer who wants maximum flexibility in their monthly mortgage payment options.
* All programs are subject to change without notice.
