In-House Mortgage Advisers - no out-of-state 800 number

Low down payment and flexible mortgage terms (fixed-rate, adjustable-rate, or interest-only)

Available to both owner-occupiers (97% LTV) and investors (85% LTV)

Down payments (at least 3 percent) can be funded by your own savings; a gift; a grant; or a loan from a nonprofit organization, state or local government, or employer

No PMI - Private Mortgage Insurance

No appraisal or title fees

On some properties, renovation repairs can be financed into the mortgage