Product&Service

  1. Empowering Success through Knowledge!

Success hinges on education, particularly a comprehensive understanding of the diverse loan programs currently accessible. This knowledge is pivotal in transforming homeownership into a highly gratifying financial choice. At Countryside Lending, we recognize the individuality of each person’s needs. Tailoring our approach to each unique situation, we provide a plethora of lending options. With Countryside Lending, rest assured that we will identify the ideal loan to suit your specific requirements.

WHICH LOAN IS RIGHT FOR ME?

Loan Programs Advantages Disadvantages
VA Mortgage
FIXED or ADJUSTABLE
    • Zero down payment required.
    • Usually slightly lower % rates.
    • Low FICO score requirements.
    • May qualify in as little as 2 years after a Foreclosure or Short Sale
    • Reserved for Military personnel Only.
    • Must pay a VA funding fee which can be rolled into the loan.
FHA mortgage
FIXED or ADJUSTABLE
    • Down payment as low as 3.5%
    • Always great interest rates.
    • Guidelines less stringent than Conv.
    • Lower FICO score requirement.
    • May qualify in as little as 3 years after a Foreclosure or Short Sale.
    • Must pay an Up-Front MI fee which can be rolled into the new loan.
    • Monthly MI tends to be higher.
    • Monthly MI stays on for the life of the loan.
Conventional
FIXED or ADJUSTABLE
    • Down payment as low as 5.0%
    • Usually great interest rates.
    • No PMI with 20% equity.
    • Lower PMI monthly.
    • PMI eventually falls off.
    • higher depending on country.
    • Higher down payment required.
    • Generally more stringent qualifying guidelines.
No point, No fee Programs
    • No closing costs
    • Less money required to close
    • Higher rates
    • Higher payments
JUMBO mortgage
FIXED or ADJUSTABLE
    • Rates usually lower on ARM’s.
    • No monthly PMI required.
    • Higher down payment required.
    • Tougher qualifying criteria.
    • Higher balance equals higher monthly payment.
    • Rates tend to be slightly higher.

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

  • Debt consolidation programs
  • Home Improvement loans
  • Qualify even if you may have been turned down before!