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PRODUCTS

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PRODUCTS 2017-11-15T03:08:39+00:00

Three Rivers Lending LLC offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:

FHA/VA – Fixed

VA: VA loans are guaranteed by the Department of Veterans Affairs and can be used to purchase a single family home, including a townhouse or condominium unit a VA approved project, to build a home, and purchase and improve a home. Loans are asumable under certain conditions and do not have a prepayment penalty.

FHA: FHA loans benefit those who would like to purchase a home but haven’t been able to put money away for the purchase, like recent college graduates, newlyweds, or people who are still trying to complete their education. It also allows individuals to qualify for a FHA loan whose credit has been marred by bankruptcy or foreclosure.

We offer terms of 15,20,30 year mortgages

Currently, the conforming loan limit for VA loans is $417,000 in most parts of the country. FHA loans require at least 3.5% down. So, while a $200.000 VA loan can be obtained for no money down, an FHA loan of the same amount will cost a borrower about $7,000 in cash upfront.

term: 30 years – Maximum Amount $417,000


Conventional

A conventional mortgage refers to a loan that is not insured or guaranteed by the federal government. A conventional, or conforming, mortgage adhere to the guidelines set by Fannie Mae and Freddie Mac.

Term: 30 years – Maximum Amount: $417,000


Refiance

Borrowers with this type of refinancing typically pay few if any upfront fees to get the new mortgage loan. This type of refinance can be beneficial provided the prevailing market rate is lower than the borrower’s existing rate by a formula determined by the lender offering the loan.

Term: 30 years – Maximum Amount: $417,000


Home Equity

Term: 10 years

 

Unless otherwise indicated, these APR calculations are based on the following: conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico below $636, 150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based  on a loan amount of $417,000 with closing costs of $8,340. Jumbo loans (Whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.