LOAN OPTIONS
Integrity Lending Solutions offers the standard 30, 25, 20, and 15-year fixed loans you may be familiar with, but we also offer flex term loans allowing you to customize your loan. You can choose a fixed term from anywhere between 8 and 30 years.
If you are in a 30-year loan and only have 27 years left we can put you into a 26-year fixed term so you don’t lose any interest you’ve already paid.
We can tailor fit your term on a home purchase or refinance using a conventional or FHA loan.
On top of that we are fast! We can close your loan within 30 days and in most cases in less than a few weeks!
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Conventional Loans:
Home Purchase (quick turn times and low-down payments)
One month’s rent could get you into your dream home, that is because we offer a 1% down payment program. You put down 1% and your lender contributes 2% or up to $5,000 giving you 3% equity in your home, then you finance the rest using a conventional loan.
30 Year Fixed
15 Year Fixed
Flex Term Fixed
Refinance Loans:
Rate and Term (lower your interest rate)
Cash out, debt consolidation (pay off some debt or home improvements)
30 Year Fixed
15 Year Fixed
Flex Term Fixed
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FHA Loans:
Home Purchase
Minimum down payment of 3.5% per the Federal Housing Authority
Refinance Loan:
Allows you to use more equity in your home that a conventional loan to pull cash out or refinance a higher balance.
Streamline refinance
In most cases no appraisal required and we must lower your interest rate using this program.
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VA Loans:
Home Purchases
Refinances
VA IRRL (Streamline a VA loan into a VA loan no appraisal required)
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USDA Loans:
Rural properties with no down payment.
Investment properties
Purchase or refinance
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