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Our Loans

Not all loan programs are the same.
At Exceed Lending, we are committed to helping you find the loan that is right for you.
Contact one of our friendly Loan Originators to get started today.


Fixed Rate Mortgage

Interest Rate and Payment do not change for the life of the loan.

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Adjustable-Rate Mortgage (ARM)

Interest Rate changes after set period, and changes at predefined time frames after initial rate change.

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Conventional Loan

A conventional loan is a mortgage that is not guaranteeed or insured by any government agency. It is typically fixed in its Terms and Rates.

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Jumbo Loan

For loan amounts that exceed programs available through FNMA/FHLMC.

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FHA (Primary Loan)

Designed for a borrower with minimal down payment and allows lower credit scores than that required for Conforming loans; also offers a ‘streamline refinance’ of an existing FHA loan with minimal documentation requirements.

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Specifically reserved for our citizens who served in the military, offers a purchase transaction without a down payment; also offers an Interest Rate Reduction Refinance of an existing VA loan with minimal documentation requirements.

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Reverse Mortgage

For borrowers at 62+ years old, pays off any loan on the property and may allow cash back. There are no payments on the loan; rather the interest owed is added to the loan balance. The loan is paid off when the home is no longer occupied by the borrower.

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Hybrid ARM (3/1, 5/1, 7/1 and 10/1)

Interest rate is fixed for a set length of time, then adjusts every year thereafter. The initial fixed rate period is generally at a lower rate than a fixed rate 30 year loan.

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Multi-Family Loan

A loan for  5 units or more are considered as a multifamily loan. Different communities have different tenant occupation rates. No personal tax return is requested.

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Commercial Real Estate Loan

Commercial Loan includes warehouse, office, retail center and hotel. It is often offered to business entities. The term of commercial loans is typically 5-20 years and amortized is 25 years.

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Guaranteed by federal agency with flexible terms and ow interest rate. Required persona guarantee. Down-payment as low as 10%.

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Construction Loan

Construction Loan term: 6-18 months. For primary residence, resale or commercial use.

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