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Qualified Property

One- to two-family residential owner-occupied purchase money, refinances, or construction.

Max Loan to Value

•    Single family – 95% of sale price
•    Two-family – 85% of sale price

•    Single family – up to 80% of appraised value as "Cash Out"
•    Two-family – up to 75% of appraised value as "Cash Out"
•    Single family – 90% of appraised value for "Limited Cash Out"
•    Two-family – 85% of appraised value for "Limited Cash Out"


15, 20, 25, or 30 Years

Escrow Account

Required when loan-to-value ratio is 80.01% or higher.
If less than 80% loan-to-value ratio, is based on credit worthiness.
PMI required when loan to value ratio is 80.01% or higher.

Payment Options

Bi-weekly or Monthly

Loan Amount

Minimum loan amount - $25,000

Maximum loan amount - $726,200; $1,089,300 for high cost areas as designated by Fannie Mae.*

*Jumbo loan amounts available to well-qualified borrowers. The interest rate is 0.25% higher than advertised rate

Interest Rate Change

Rate remains constant for the first seven years, then will change every six months.

Annual Cap - Rate cannot go up or down more than 2%.

Floor Rate - Rate can never go below 3%.

Proof of home owner's insurance is required

Visions will not subordinate or agree to the assignment of any oil/gas/mineral rights lease to a third party.