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Purchase Loans
Whether you're new to homebuying or experienced, we’ll help you find the right mortgage for your needs.
1. Conventional Loan
A Conventional Loan is a popular choice for homebuyers who have good credit and a solid financial history. These loans are not insured by the government and offer competitive interest rates with flexible terms. Whether you’re purchasing a new home or refinancing, Rockford Mortgage Group can guide you through a seamless process to secure the best rates and conditions tailored to your needs.
2. Fixed Rate Mortgage Plans
With Fixed Rate Mortgage Plans, you can lock in a stable interest rate for the entire life of your loan. This option is ideal if you prefer predictable monthly payments that remain unchanged over time. Rockford Mortgage Group offers a variety of fixed-rate terms, typically ranging from 10 to 30 years, ensuring you find a plan that suits your long-term goals.
3. Adjustable Rate Mortgage (ARM) Plans
An Adjustable Rate Mortgage (ARM) offers lower initial interest rates compared to fixed-rate loans. The rate is fixed for a set period, usually 5, 7, or 10 years, and then adjusts periodically based on market conditions. ARMs can be an excellent option if you plan to move or refinance before the adjustment period. We’ll help you understand the risks and benefits so you can make an informed decision.
4. FHA Loans
FHA Loans, backed by the Federal Housing Administration, are designed to help first-time homebuyers or those with lower credit scores secure financing with a low down payment. With flexible qualification requirements and affordable interest rates, FHA loans make homeownership more accessible. At Rockford Mortgage Group, we assist you in navigating the FHA process to ensure you get the best deal possible.
5. New Build Loans
Building your dream home requires specialized financing. Our New Build Loans are designed to meet the unique needs of construction projects, allowing you to finance the building process from start to finish. With flexible draw schedules and customized terms, Rockford Mortgage Group ensures you have the resources to complete your home without financial stress.
6. No Down Payment Assistance
For those struggling to save for a down payment, Rockford Mortgage Group offers No Down Payment Assistance programs. We partner with government and private entities to provide loans with zero down payment for qualified borrowers, making homeownership more accessible. Let us help you explore options to get into a home without the traditional upfront costs.
7. Custom Home Loans
If you’re looking for flexibility in designing your perfect home, our Custom Home Loans provide tailored financing solutions. Whether you’re constructing a one-of-a-kind home or working with specific design preferences, we offer competitive terms and flexible repayment options. Rockford Mortgage Group will work closely with you to fund your vision from blueprint to move-in.
8. Business Loans
Our Business Loans are designed to help you grow your business, whether you need funds for expansion, new equipment, or working capital. With flexible terms and competitive rates, Rockford Mortgage Group ensures that your business has the financial resources to succeed. We understand the challenges business owners face and are committed to providing personalized solutions.
9. Business Credit Lines
A Business Credit Line offers flexibility and immediate access to funds when you need them. Ideal for managing cash flow, purchasing inventory, or covering unexpected expenses, this revolving line of credit provides your business with the financial freedom to operate smoothly. Our advisors will help you secure the right credit line for your business needs.
10. Personal Line of Credit
A Personal Line of Credit gives you access to flexible financing for personal expenses, whether it’s home improvements, medical bills, or unplanned emergencies. With Rockford Mortgage Group’s personal credit options, you can borrow money as needed, only paying interest on the amount you use. It’s a convenient financial tool for managing life’s uncertainties.
11. Collateral-Based Credit
For those looking to leverage their assets, our Collateral-Based Credit options allow you to secure a loan using your property or other high-value assets as collateral. These loans often provide lower interest rates and more favorable terms. Rockford Mortgage Group ensures that your collateral is handled professionally, and we work with you to obtain the best terms based on your assets.
12. Credit Repair Facility
At Rockford Mortgage Group, we understand that past financial challenges can affect your ability to secure a loan. Our Credit Repair Facility helps you improve your credit score through personalized strategies and expert advice. We guide you on how to address negative credit marks, manage debt, and enhance your creditworthiness, so you can qualify for better financial products in the future.
13. DSCR loans & Commercial
Rockford Mortgage Group Inc provides DSCR rental loans for residential and commercial properties, including homes, multi-units, and mixed-use buildings. We offer financing from $100K to $250M, with 30-year fixed rates, interest-only options, and no reliance on personal income. Eligible properties range from gas stations and restaurants to medical offices and more. A minimum credit score of 620 is required, with origination fees between 1-4%.