Which loan is right for you?
Loan Programs      Details
Fixed Rate Mortgages
30 year fixed
15 year fixed
  • Monthly payments are fixed over the life of the loan
  • Interest rate does not change
  • Protected if rates go up
  • Can refinance if rates go down
Adjustable Rate Mortgages
10/1 ARM
7/1 ARM
3/1 ARM
1 year ARM
6 month ARM
1 month ARM
  • Lower initial monthly payment
  • Lower payment over a shorter period of time
  • Rates and payments may go down if rates improve
  • May qualify for higher loan amounts
Stated Income & Stated Asset Programs
Available on most Fixed and Adjustable Products.
  • Don't need to verify income or assets
  • Need two years employment history
  • No adjustment to rate with a credit score over 700
Interest Only Programs
Available on most Fixed and Adjustable Products.
  • Availabe on 30 yr Fixed Rate Products! - Interest Only for 10 years and then the remaining balance has a 20 year amortization. NO RATE ADJUSTMENT!
  • Lower payment to get you qualified.
  • Ideal for commissioned workers or if you receive a large bonus- every time a payment is made toward principle your payment recasts each month to a lower payment!
First Time Buyer Programs
Available up to 100%!!
  • Lower down payment
  • Easier to qualify
  • Sometimes you may get lower rate
100% Financing
30 yr Fixed
  • Full Document with a 600 credit score and above!
  • Stated Income with a 620 credit score.
  • Above a 720 credit score and no PMI!
No point, No fee Programs
 
  • No closing costs
  • Less money required to close
Imperfect Credit Programs
 
  • Potential for reestablishing credit if you pay your mortgage on time.
  • When used for debt consolidation, you may be able to reduce your monthly debt payment
Home Equity Line of Credit
 
  • You only borrow what you need
  • Pay interest only on what you borrow
  • Flexible access to funds
  • Interest may be tax deductible
Home Equity Fixed Loan
 
  • Fixed payments
  • Interest may be tax deductible

Besides our standard loan programs, we also have a large number of unique programs to serve your needs:

  • Call today for our MTA & COFI pricing
  • Purchase a house with 0 down
  • Piggyback loans 80-10-10 or 80-15-5. No PMI payments even with 5% or 10% down.
  • Debt consolidation programs
  • Home Improvement loans
  • Qualify even if you may have been turned down before!

Metro Atlantic Capital
88 New Dorp Plaza- Suite 203
Staten Island, NY 10306
Phone: 718-690-3509
Toll Free: 866-659-5405
Fax: 718-305-1673

sales@metroatlanticcapital.com

 
©2008, Metro Atlantic Capital
Registered Mortgage Broker- NY Dept of Banking
*All Loans arranged through third party providers