Loan Programs

Accelerated Mortgage offers a variety of real estate loan options. To find the best option that meets your specific needs, we recommend you contact one of our state and federally licensed Mortgage Loan Originators who will gladly assist you in deciding which loan is best for you.

We offer the following mortgage loans

• 30 year and 15 year fixed rate loans
• 1, 3, 5, 7, and 10 year adjustable rate loans
• HomePath and HomeSteps loan programs
• Reverse mortages
• Government loans including FHA, VA, and USDA loans
• Jumbo fixed and adjustable rate loans

Conventional Fixed Rate Mortgages

A fixed mortgage is a conventional loan that gives you the comfort of knowing what your monthly payment is going to be month-to-month and is ideal for budgeting purposes. There are many types of conventional loans, and include fifteen and thirty year repayment terms.

Reverse Mortgages

• Reverse mortgages enable eligible homeowners to access the money they have built up as equity in their homes. They are primarily designed to strengthen senior’s personal and financial independence by providing funds without a monthly payment burden during his or her lifetime in the home. The major eligibility requirements are that the applicant must be at least 62 years of age and own and occupy a home whose mortgage has been paid in full (or has only a low mortgage balance remaining). 

Government Products

• FHA with Low Down Payment
  A FHA mortgage is insured by the Federal Housing Administration. The borrower of this loan can finance up to 96.5% of the sale price of a home, because FHA will insure timely repayment of the mortgage.
• 100% USDA Financing Available for properties in the rual areas of northern California, income and property value limits apply
• HomePath Available on specific properties, and allows for no appraisal and no MI with a minimal 3% down payment
• VA 100% Financing Available to Veteran Buyers allowing Sellerl Paid Closing Costs

Specialty loans for Special Situations

• Bankruptcies and Collections OK
• Acreage, Log and Solar homes OK
• Manufactured Homes on Land with Permanent Foundation — Purchase
• We Specialize in Income and Credit Challenges
• Private Party Financing