When Home Team Lending was created, we wanted to be a full service company and because of that we offer financing for

both Residential and Commercial Properties.  Our division OWNERshares offers financing for Equipment and Assets.

       LOAN TYPES:

Refinance:  (for All Property Types)

Cash Out: Taking Cash from Your Equity

Rate & Term: Either a Lower Rate or Shorter Term, or often Both

Purchase:

Primary Residence: A Home You are Going to Live In as Your Primary Residence

Second Home: A second Home either in a Resort Community or 100 Miles from Your Primary

Investment: A Property Purchased for an Investment a 'Rental'

Home Equity: 'A Second Mortgage' or a Loan behind a First Mortgage Lien

HELOC: Home Equity Line of Credit: A line of Credit like a large Credit Card:

     -You Can Borrow and Payback, and Borrow Again

HELOAN: Home Equity Loan: with a Fixed payment for the life of the Loan

       LOAN PROGRAMS:

Conventional: The most common of Mortgage Loans and use Conventional Underwriting Guidelines

Government:

FHA: Loans that follow HUD's (Dept of Housing and Urban Development) Guidelines and are often used

for Borrowers who don't Fit Under Conventional Guidelines.

VA: Loans for Veterans and require no Down Payment

RURAL Housing: Loans that follow USDA Guidelines that are not in Urban Areas

Non-Conforming: Loans that don't fit either Conventional or Government Guidelines

Hard-Equity/Portfolio: Loans that are typically very risky and are held by Investment Groups at Higher Interest Rates