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Peak Finance offers loans for all property and transaction types. Whether you are looking to finance your dream home on the beach, or simply looking to finance an investment property, Peak can customize a loan to your specific needs. Peak can provide “A” through”D” loans depending on your FICO score. Low or No down payment may be available for qualified borrowers.

•    Conventional Long Term Fixed Rate Loan
A conventional long term fixed rate loan is the most common type of loan in which the interest rate remains fixed throughout the entire loan term, usually 15 or 30 years. The monthly payment towards the principal and the interest remain the same throughout the loan period. During the first few years of a fixed rate loan, the borrower pays a larger portion of interest. The portion of the monthly payment towards the principal remains low during the initial period and then increases towards the end of the loan term.
•    Adjustable Rate Mortgage (ARM)
An adjustable rate mortgage (ARM) has an interest rate that initially remains fixed for a certain period, after which it is adjusted at periodic intervals according to a pre-selected index. Adjustable rate mortgages which offer low initial fixed rates, allowing borrowers to easily qualify for such loans. This aspect of an ARM may be beneficial to those who plan to occupy their home only for a few years.
•    Balloon Mortgage
A balloon payment mortgage is a mortgage which does not fully amortize over the term of the loan, consequently leaving a large final “balloon” payment due at maturity. Balloon mortgages are more common in commercial real estate than in residential real estate. As a result of the large principal payment, borrowers will usually refinance the amount or convert to a traditional mortgage.
•    80/10/10 Program 
An 80/10/10 Program is a loan in which a borrower finances a first mortgage for 80% of the property purchase price, or the appraised value (whichever is lower). Then, a second mortgage loan of 10% of the property purchase price, or the appraised value (whichever is lower) is financed, with the borrower paying a down-payment of the remaining 10%.
•    Home Equity Line of Credit (HELOC)
A home equity line of credit (HELOC) is a second mortgage and works the same way as a credit card functions. The borrower receives a line of credit which is secured by the home’s equity. The borrower makes interest only payments for the initial years of the loan if and when money is drawn from the account. The interest rate is determined by a variable index, and a fixed margin throughout the loan term.
•    Second Home Loan 
A second home loan is a loan specifically used to finance the purchase of a vacation or second home. Many buyers will use equity from their primary residence to partially finance their second home.
•    Subprime Loan 
A subprime loan is a type of loan which is offered at a higher rate to individuals who would not normally qualify for prime rate loans. This may be a practical  loan for borrowers with low credit scores.
•    “A Paper” Loan 
An “A Paper” loan refers to the best product with the best rates and options a lender offers. As a result of excellent credit scores, borrowers may qualify for “ paper” loans and receive optimal prices with the most options the lenders can offer.
•    Stated Income Stated Asset Loan A stated income stated asset loan is a loan which generally draws people who work on a cash or commission basis or people who don’t bring in a consistent salary.  The borrower will need to disclose earnings, usually for two years, and bank statements. This loan carries a slightly higher rate, as assets and income are not authenticated.
•    No Document Loan
A no doc loan requires the least documentation and is for borrowers with good credit scores. The borrower will provide a minimal amount of information, such as social security and property information. No doc loan borrowers are those typically who do not wish to disclose their entire life and financial history to the lender.