With one of the widest range of products available in the mortgage industry, our loan options include:

• Fixed and Adjustable Rates
• Low Down Payment
• Low Documentation/ Reduced Paperwork Loans
• Reduced Rate Options
• FHA and VA Financing
• Home Equity Lines of Credit
• FHA Homeowner Cash Out Program

A few of our exclusive IFC Loans mortgage products include:

This loan can wipe out yet another barrier to home ownership - the down payment. Qualified borrowers can also use the stated asset option to help them get that dream home faster.

• Our 100% loan allows qualified borrowers with excellent credit to get a loan with no down payment. One of the most common options is an 80% first mortgage and a 20% Home Equity Line of Credit to equal 100% financing on their home. And with the 80/20 Stated Program, qualified borrowers don't even need to provide W-2's, tax returns, or any documentation of income.
  
  Whether you're a first time homebuyer, want to buy more home, looking to cash out from your home for debt consolidation, or you simply want the peace of mind that can come from knowing you have greater financial flexibility, our 100% loan programs may be right for you.

IFC Loans has been offering No Closing Cost mortgages for over ten years. Our established investors provide us with wholesale rates enabling us to pass the savings on to you.

No closing costs can save you hundreds or even thousands of dollars right away. Our No Closing Cost mortgage options are popular with home owners who want to add more towards their down payment, or need the money for other reasons, like remodeling.

Our No Closing Cost mortgages are ideally suited for:

• First-time homebuyers short of cash.
• Move-up buyers with little equity in their current house.
• Buyers who want extra cash for the down payment, remodeling, etc.
• Homeowners refinancing to lower their rate and capture immediate savings.

Qualified borrowers can make interest only payments for a limited period with the option to pay higher amounts to pay down the principal. Helps qualified borrowers afford more home or have more available cash each month.

When you're looking for a low initial payment, consider the IFC Loans Interest Only loan program.

Qualified borrowers pay interest only for the first 10 or 15 years of the loan for fixed loan programs. For Fixed Period Adjustable Rate Mortgages (ARMs), qualified borrowers pay interest only for the first 3, 5, 7 or 10 years of the loan.

This new type of loan has lower monthly payments than the traditional 30 year mortgage. At IFC Loans, you have a choice of fixed rate loans or a variety of adjustable mortgages all available with a 40 year amortization. This loan will particularly appeal to first time buyers or move-up buyers.

The most talked about mortgage for those over age 62 who own their own home. The IFC Loans Reverse Mortgages allow older home owners to convert part of the equity in their homes to cash without having to sell their homes or take on additional monthly bills.

With IFC Loans' new Cash Out Refinance Program exclusively for FHA Homeowners, you can get up to 95% cash out of the value of your home. This new program allows you to get cash now to use any way you want...fix up your home, purchase a new car, pay off debts, take a dream vacation.

IFC Loans' FHASecure loan offers a second chance for people who, through no fault of their own, suddenly face the threat of foreclosure because mortgage payments rose because of an ARM adjustment. If you qualify, under this program you may be able to refinance even if in foreclosure. You can only get the FHASecure loan through an FHA approved lender such as IFC Loans which specializes in all types of FHA loans.

It is a major objective of IFC Loans to provide options for people experiencing mortgage difficulties in a declining market. We understand your situation and will work hard to help you.

With IFC Loans’ Power Fixed Mortgage^SM, you have the power to control your mortgage. This Program is exclusive to IFC Loans clients and is especially ideal for refinance mortgages, with a fixed rate of above 6%, those with an Adjustable Rate Mortgage - which will likely continue to rise, or for a new home purchase mortgage.

For more information about our Power Fixed Mortgage^SM and how this loan will work for you, please download this document in Adobe (1.54 MB) Power Fixed Mortgage FAQ