Residential Mortgage Loans
Don't know which type of mortgage loan is best for you?  Find out below.
Do you need a Purchase loan, Re-finance, Second mortgage, Debt consolidation or Construction loan?  We have it all!!  At Tri-State Mortgage we have thousands of loan programs for each type of borrower.  Don't be afraid to call if your self employed or you have been turned down.  We can e-mail or fax you a good faith estimate in five minutes. Rates are on the rise, now is the time to re-fi from that adjustable to a fixed rate.  We also take credit cards for the appraisal and credit report fees.
Lowest Rates   Lowest Rates
We are brokers that offer the same loans as all the other banks and mortgage companies. We offer 30, 15 , 20 & 10 year fixed rates.  We also offer adjustable rate loans that have a 3, 5, 7 year fixed rate, then convert to an adjustable rate.  These are ideal loans because the average home owner moves every five years. Our adjustable rates start at 1.75% on a MTA or COSI index. This loan goes to six million and has the option where you can pick a payment that is based on a minimum payment, interest only, 15 year amortization or a thirty year amortization. This loan requires a 620 credit score this loan also has a no point and/or no fee option!
no money down No Money Down Purchase!
First time buyers can own a home with no money  down and no closing cost. We have several programs that require no mortgage insurance with one loan or a 80/20 combo. We even offer a stated income (W-2)  program with no money down!  We just came out with a 100% NO FICO loan for first time buyers!!
Lowest Rates   FHA and 100% FNMA Loans
We can do FHA and 100% FNMA loans for borrowers who can provide income documentation. Our loan process is quick and painless and we provide a good faith estimate within three days of application. If our fees are off more then $200 at the closing, we will refund the difference!"