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Purchase Loans
Effective Mortgage Company offers a wide range of programs from 100% financing for the "A" rated borrower, to providing mortgages for the clients who recently are out of bankruptcy.
Click here to apply! Refinance Loans
If you are interested in lowering your current rate or having access to some extra cash, Effective Mortgage Company has programs to fit your needs for home improvements, college
education or any other needs.
Click here to apply! 2nd Mortgage Loans
Effective Mortgage Company offers 2nd mortgage programs up to 125% of your home's value. Even if you do not have excellent credit, qualifying for up to 95% of your home's value.
Click here to apply! Non-Owner Occupied Loans
Effective Mortgage Company will match a loan to meet your needs for that non-owner occupied property. Our programs are for everyone from the seasoned professional to the first time investor.
Click here to apply! Debt Consolidation Loans
Saving time and money is easy with a debt consolidation loan from Effective Mortgage Company. Imagine paying off all those credit cards by writing one check each month. The interest from this loan may be tax deductible
(consult your tax advisor).
Click here to apply! Commercial Loans
Effective Mortgage Company offers
commercial loans from $100,000 to
$2,500,000. We make loans on everything from businesses, multiunit apartment complexes to golf courses.
Click here to apply! Cash Out Loans
Effective Mortgage Company can provide you cash out up to $100,000. Use the funds towards buying or making investments, it's up to you
Click here to apply! No Income Verification Loans
For both self-employed and W-2 employees, we can do loans with as little as a business license or a verification that you are working.
Click here to apply! Conventional Loans
This program is for the "A" rated customer who wants to get the lower rate. Our conventional programs cover a full range of needs from non-owner occupied to jumbo loans.
Click here to apply! VA Loans
If you are an honorable discharged veteran from the armed services, you can qualify for this program with no money down towards purchasing a home. This program allows for slightly higher debt ratios than conventional.
Click here to apply! FHA Loans
With as little as 3% down you can get into your new home. It also allows for slightly higher debt ratios than conventional loans.
Click here to apply!
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info@effective-mortgage.com