Shariah Home financing, sharia home buying, Islamic financing Debt Free, Riba Free, Mortgage Free islamic


100 mortgage financing

100 mortgage financing

100 mortgage financing

Our patent-pending Home Partnership Program provides a true debt-free, riba-free solution for sharia home financing.

100 mortgage financing

100 mortgage financing

Find out what constitutes Riba and the difference between a truly Shariah compliant program and one that only appears to be.

100 mortgage financing

100 mortgage financing

Our investors enjoy great returns on their money and the reward of helping people lead debt-free lives.

100 mortgage financing

Check with ANY scholar for 100% peace of mind. We believe that a true Shariah compliant Islamic financing solution is not about one scholar, or even a few scholars, making allowances based on technicalities or exceptions. A real Islamic financing solution is one that withstands the scrutiny of ANY scholar and conforms to the letter, essence and spirit of Islamic Law.

The scholars on our team of advisors are known worldwide and their credentials, and experience, speak volumes in Islamic financing Jurisprudence (shariah financing) and its application to the current business field. However, we welcome the scrutiny of ANY scholar, anywhere. Please feel free to present our program to any scholar for review. If there is anything in our program that any scholar finds dishonest, or not 100% conforming to Shariah, we will fix it and owe you our gratitude for letting us know.

100 mortgage financing

Islamic financing companies with solutions that involve mortgage paperwork, or other loan based solutions now have a way to make it right. We all make mistakes and good intentions are what counts. But, good intentions should compel anyone to rectify errors and fix unintended mistakes. In order to give your customers a true debt-free, shariah financing solution, we offer you a FREE license for our Independent Investor Program. Click here to learn more.


Mortgage Financing – Fisgard Asset Management Corporation, mortgage financing.#Mortgage #financing


Mortgage Financing

Fisgard Asset Management works with one of the largest private alternative lenders in Western Canada, Fisgard Capital Corporation. We are dedicated to supporting mortgage brokers and their clients. We provide competitive products, flexible lending guidelines and dedicated customer service.

The Fisgard Mortgage guarantees:

  • Reasonable lender fees
  • Short approval and processing timelines
  • Competitive and reasonable rates and terms
  • Plain language approvals
  • Prompt experienced service

Our Mortgage Products

Residential

Mortgage financing

Construction

Residential Commercial Construction Program

Fisgard Capital finances residential and commercial construction loans up to 75% of the total cost of construction, including:

  • Rates from 8.5%
  • Up to 75% of total cost including land
  • Fully open terms (no prepayment penalties!)
  • Most urban centres in BC, AB, MB and ON
  • Lender Fee from 2%
  • No standby fees for funds not drawn
  • Single Family Owner/Spec/Rentals, Mixed Use, Vacation Homes, Multi-family
  • Owner builds considered
  • New Home Warranty coverage required
  • Interest reserve held during course of construction
  • Copy of building budget and plans required
  • Lender fee deducted from the first draw (your broker fee is collected for you!)
  • Take-out financing available upon completion (great for spec builders who need time to sell!)
  • Resources

Commercial

Commercial Mortgages

BC and Alberta Urban Centres only. Fisgard is seeking commercial mortgages up to $5,000,000

We will consider application on the following property types:

  • Retail Centres
  • Office
  • Mixed Use
  • Fully Tenanted Industrial
  • Condo Inventory
  • Lot Inventory
  • Hospitality properties
  • Experience

Our experienced commercial underwriting team is here to assist borrowers that require specialized knowledge in construction, development, and inventory financing. We also consider multi-family construction and land development loans.


VA, FHA & USDA Home Loan Programs, First Time Home Buyer Loans, homepath mortgage financing.#Homepath


America’s First Time Home Buyer Specialist

  1. Check out first time home buyer programs with zero to low down payment options.
  2. Get Pre-Approved for all the eligible loan options and get a pre-approval letter in your hand before you start house hunting.
  3. Request Pre-Screened Realtor in FirstHomeBuyers Network to assist you in your home search.
  4. Get contract on home and process your mortgage to obtain the final approval on your loan
  5. Close on your new home, get the keys, move in, order some pizza, kick off your shoes, and celebrate living the dream of being a homeowner!

You must start on the Road To HomeOwnership as early as possible because there are a lot of documents and information required to process a mortgage these days. There may be issues you need to address prior to buying a house and you need to give yourself plenty of time to financial ducks in a row to avoid major headaches later on. What are you waiting for? Live the dream now!

FirstHomeBuyers Program Advantage

We have over 25 years of experience helping first time home buyers achieve the dream of owning a home. Buying a home can be a daunting task but our mission is to educate you on the programs and guide you through every step of the process. We provide you with the advice, tools, tips, and resources so you can determine if owning a home is better than renting and whether homeownership is right for you. Once you set your mind on becoming a homeowner then we will do our best to get you pre-approved for the best loan option and payment to fit your budget. Don’t worry if you don’t qualify now because we can discuss actions you can take so you can purchase a home within the next couple months to a year. Our goal is to make buying your 1st home a simple, fun, exciting, and hassle-free experience.

Government Programs

Government insured loan programs such as USDA and VA requires no down payment and FHA requires a low down payment. Usually, people with fair to marginal credit may qualify for these programs.

  1. USDA Zero Down Program-Minimum 620 credit score and must buy home in small city or town.
  2. FHA Loan-Minimum 600 credit score with low down payment.
  3. Down Payment Plus Assistance Program-Get up to $6,000 down payment assistance.
  4. HUD Home Loan Program-FHA loan for HUD owned homes or FHA foreclosures.
  5. VA Loan-Zero Down Payment for Veterans and active personnel in Navy, Army, Marine Corps, Air Force, Coast Guard, and National Guard.
  6. Down Payment Assistance and Grant Programs-Get grant funds or down payment assistance for down payment and closing costs. Check your state for specific programs available.
  7. Dream Makers Program-get $5,000 grant if you are in the military
  8. Good Neighbor Next Door-Teachers, Firefighters, Emergency Technicians, Law Enforcement Employees, or Police Officers get 50% discount off home in targeted area.
  9. FHA Streamline 203k Renovation Loan-Repairs and home improvements may be added into rehab mortgage to fix up home. Great for foreclosures and short sales!

Conventional Programs

Some Conventional and Community loan programs have more flexible credit, income, and property guidelines and offer great alternatives to government financing.

  1. Fannie Mae HomeReady Community Program will help low to moderate income individuals realize the dream of homeownership.
  2. Fannie Mae 97% Program-Low down payment program with no income restrictions.
  3. Home Possible Advantage Program-1% down payment program with no income restrictions in targeted areas.
  4. Home Possible Neighborhood Solution Mortgage-Community lending program offers low down payment and more flexible credit guidelines to teachers, firefighters, health care workers, law enforcement officers, and military personnel.
  5. Fannie Mae HomePath Ready Buyerв„ў Program-Take the homebuyer education course and receive closing cost assistance toward the purchase of a Fannie Mae HomePath foreclosure.
  6. Fannie Mae NO PMI Program-NO PMI or mortgage insurance.
  7. Piggyback Mortgage Loan-Jumbo loan alternative which involves taking out 2 loans to avoid mortgage insurance with less than 20% down payment.
  8. 100% Gift Purchase Program-Fannie Mae program which down payment can be all gift.

Mortgage Financing – Fisgard Asset Management Corporation, mortgage financing.#Mortgage #financing


Mortgage Financing

Fisgard Asset Management works with one of the largest private alternative lenders in Western Canada, Fisgard Capital Corporation. We are dedicated to supporting mortgage brokers and their clients. We provide competitive products, flexible lending guidelines and dedicated customer service.

The Fisgard Mortgage guarantees:

  • Reasonable lender fees
  • Short approval and processing timelines
  • Competitive and reasonable rates and terms
  • Plain language approvals
  • Prompt experienced service

Our Mortgage Products

Residential

Mortgage financing

Construction

Residential Commercial Construction Program

Fisgard Capital finances residential and commercial construction loans up to 75% of the total cost of construction, including:

  • Rates from 8.5%
  • Up to 75% of total cost including land
  • Fully open terms (no prepayment penalties!)
  • Most urban centres in BC, AB, MB and ON
  • Lender Fee from 2%
  • No standby fees for funds not drawn
  • Single Family Owner/Spec/Rentals, Mixed Use, Vacation Homes, Multi-family
  • Owner builds considered
  • New Home Warranty coverage required
  • Interest reserve held during course of construction
  • Copy of building budget and plans required
  • Lender fee deducted from the first draw (your broker fee is collected for you!)
  • Take-out financing available upon completion (great for spec builders who need time to sell!)
  • Resources

Commercial

Commercial Mortgages

BC and Alberta Urban Centres only. Fisgard is seeking commercial mortgages up to $5,000,000

We will consider application on the following property types:

  • Retail Centres
  • Office
  • Mixed Use
  • Fully Tenanted Industrial
  • Condo Inventory
  • Lot Inventory
  • Hospitality properties
  • Experience

Our experienced commercial underwriting team is here to assist borrowers that require specialized knowledge in construction, development, and inventory financing. We also consider multi-family construction and land development loans.


Buying After a Short Sale or Foreclosure, homepath mortgage financing.#Homepath #mortgage #financing


Buying After a Short Sale

Homepath mortgage financing

Question: How Soon Can We Buy a Home After a Short Sale or Foreclosure?

A reader asks: Can we still get a loan to buy a home after giving the bank a deed-in-lieu of foreclosure? I m confused on the wait time. I would like to take advantage of today s market, but my bank said that I have to wait 3 years. And I have talked to different mortgage brokers, and one says this and one says that. Can you help us out? How soon can we buy a home again after a foreclosure?

Answer: Excellent timing on that question regarding the waiting period to buy a home after losing your existing home. Your timing is good because the waiting periods for conventional loans — the seasoning between the time the foreclosure was completed and when a buyer purchases another home — has changed. For that, we look to Fannie Mae.

What is Fannie Mae?

The entity that holds great power in the conventional mortgage market is Fannie Mae. Fannie Mae is America s largest mortgage buyer, a quasi-government entity, which buys mortgage loans in the secondary mortgage market. Because Fannie Mae would end up with the properties back if borrowers default, Fannie Mae has a strong interest in setting forth stringent guidelines to lessen the chance a borrower will go into foreclosure.

Fannie Mae revised its guidelines and now addresses separate waiting periods depending on the type of foreclosure.

Moreover, if you have documented extenuating circumstances, this will have a direct bearing on the number of years you will have to wait to get a conventional loan.

What is Documented Extenuating Circumstances?

Fannie Mae allows for extenuating circumstances such as:

  • Job Transfer
  • Accident Resulting in Severe Injury

Generally, extenuating circumstances are things that happen beyond your control, which dramatically affect your ability to continue making payments on your mortgage.

With documented extenuating circumstances, the waiting period is less than without. I m sorry to say that being unable to afford an increase in payment due to an interest rate increase on your adjustable-rate mortgage is not considered a circumstance beyond your control.

Waiting Period to Buy After Foreclosure

  • Buying After a Foreclosure

The waiting period is 5 years up to 7 years.

The waiting period is 3 years up to 7 years.

The waiting period is 4 years up to 7 years.

The waiting period is 2 years up to 7 years.

The waiting period basically is 2 to 5 years. A few portfolio lenders are lending with 20% down and no waiting period. Moreover, if a seller does not have a 60-day late pay, Fannie Mae says that seller may immediately buy another home but none of the major lenders will fund such a loan, so it s kind of a fallacy. FHA says 3 years, but buyers have to jump through a lot of hoops. I have heard of isolated instances many years ago before the rules changed yet again in which a seller relocated for a job transfer and moved more than a certain distance to qualify to immediately buy a home after a short sale. FHA also has a policy that if the borrower was current and not delinquent, it will allow a loan immediately.

However, to answer your particular question, if you have no extenuating circumstances, you will need to wait four years from the date of completion, meaning the date your deed-in-lieu of foreclosure was recorded.

In addition to the waiting period, some loans require 10% down and a minimum FICO score. The home you purchase must be your principal place of residence, not a rental nor a vacation home.

Fannie Mae constantly issues new guidelines. The above policies are in effect for loan applications submitted after August 1, 2008, revised 2017.

A few loans completed through the HAFA program in which a default has not been filed might allow a short sale to be reported as simply paid in full, which will make it relatively easy to qualify for another home after a short sale. Moreover, some private banks will make portfolio loans the day after a short sale has been completed, providing borrowers qualify.

Ready to start building wealth? Sign up today to learn how to save for an early retirement, tackle your debt, and grow your net worth.

Ask your short sale agent for more information. Be sure to get prequalified through a reputable local lender.

At the time of writing, Elizabeth Weintraub, CalBRE #00697006, is a Broker-Associate at Lyon Real Estate in Sacramento, California.


Shariah Home financing, sharia home buying, Islamic financing Debt Free, Riba Free, Mortgage Free islamic


100 mortgage financing

100 mortgage financing

100 mortgage financing

Our patent-pending Home Partnership Program provides a true debt-free, riba-free solution for sharia home financing.

100 mortgage financing

100 mortgage financing

Find out what constitutes Riba and the difference between a truly Shariah compliant program and one that only appears to be.

100 mortgage financing

100 mortgage financing

Our investors enjoy great returns on their money and the reward of helping people lead debt-free lives.

100 mortgage financing

Check with ANY scholar for 100% peace of mind. We believe that a true Shariah compliant Islamic financing solution is not about one scholar, or even a few scholars, making allowances based on technicalities or exceptions. A real Islamic financing solution is one that withstands the scrutiny of ANY scholar and conforms to the letter, essence and spirit of Islamic Law.

The scholars on our team of advisors are known worldwide and their credentials, and experience, speak volumes in Islamic financing Jurisprudence (shariah financing) and its application to the current business field. However, we welcome the scrutiny of ANY scholar, anywhere. Please feel free to present our program to any scholar for review. If there is anything in our program that any scholar finds dishonest, or not 100% conforming to Shariah, we will fix it and owe you our gratitude for letting us know.

100 mortgage financing

Islamic financing companies with solutions that involve mortgage paperwork, or other loan based solutions now have a way to make it right. We all make mistakes and good intentions are what counts. But, good intentions should compel anyone to rectify errors and fix unintended mistakes. In order to give your customers a true debt-free, shariah financing solution, we offer you a FREE license for our Independent Investor Program. Click here to learn more.


100% Financing a Home Mortgages #40 #year #mortgage


#100 mortgage financing

#

100% Home Financing

Why Rent When you can OWN?

You have excellent credit and a stable source of income yet have not accumulated the required down payment MortgageDirect2u has the perfect mortgage solution for you!

Purchases Only:

  • Owner occupied (max 2 units)
  • Single family detached and semi-detached
  • Single family townhouses and row houses (freehold)
  • Duplexes
  • Registered condominium unit including: high-rise, townhouses and stacked townhouses located in urban centers
  • Properties on well water and septic tanks will be considered provided this is normal for the area
  • Dwellings situated on acreage, appraisal report to include a maximum of 10 acres and no out buildings
  • All residential properties must be of reasonable size. Minimal for all condominiums 700 � 750 square footage (70m2) of living space
  • For properties with no basement, the minimum square footage is 1,000 Sq. Ft.

Ineligible Properties:

  • Co-op, Student Rooming Housing
  • Bed Breakfast
  • Historical designations
  • Commercial Properties
  • Commercial Mix
  • Raw, Leased Land
  • Seasonal non-year round access
  • Island Properties
  • Mobile Homes
  • Prior Grow-Ops, Meth Labs
  • Life Lease
  • Fractional Interests, Rental Pools
  • Hotel Condo
  • Non Conventional Construction

Mortgage Types:

  • 5 yr fixed rate closed
  • Standard Rate guarantee 90 days
    (new construction 120 days)
  • 120 Day Rate Guarantee is available with .25 bps increment.

Amortization:

  • Insured mortgages up to 30 year amortization available*

Payments:

  • Weekly, bi-weekly and monthly payments
  • Prepayment privilege: up to 20% of the original principal amount + up to 20% increase in payment annually

Limits:

  • PURCHASES – 95% financing through Genworth, CMHC

This mortgage option is for homebuyers that have a minimum Beacon sore of 650 and an excellent credit history but have not yet saved the required down payment. It will not be approved for prior bankrupts or heavily indebted with no assets and no evidence that they can save. Non-residing co-borrowers must be an immediate family member and on Title.

Mandatory:

  • Mortgages must be title insured
  • Cash Back must be used for down payment
  • Employment and income verification required
  • Business for Self � 3yr avg. NOA (no stated income)
  • Property must be residential
  • All properties must have a minimum of 100 AMP service
  • Building must meet all applicable Fire Code Regulations

Standard PremiumSelf-Employed without 3rd Party Income Validation

Standard PremiumSelf-Employed without 3rd Party Income Validation**

Extended Amortization Surcharges
Add 0.20% for every 5 years of amortization beyond the 25 year mortgage amortization period.

For portability and refinance, the premium is the lesser of Premium on Increase to Loan Amount or the Premium on Total Loan Amount. In the case of portability, a premium credit may be available under certain conditions.

* Premiums shown with an * do not apply for refinance. For portability the maximum LTV ratio is 90%, but CMHC may consider higher LTV ratios when the new ratio is equal to or less than the original LTV. For portability, the premium is higher for non-traditional down payments on Increase to Loan Amount.

** For conversion from Self-Employed with traditional 3rd party income validation to Self Employed without traditional 3rd party income validation, the premium is the lesser of: a) the Premium on Total Loan Amount or; b) the outstanding balance multiplied by a 1.5% premium plus the Premium on Increase to Loan Amount.

*** Down Payment Requirements Traditional sources of down payment include: Applicant s savings, RRSP withdrawal, funds borrowed against proven assets, sweat equity ( 50% of min.required equity), land unencumbered, proceeds from sale of another property, non-repayable gift from immediate relative, equity grant (non-repayable grant from federal, provincial or municipal agency). Non-traditional sources of down payment include: Any source that is arm s length to and not tied to the purchase or sale of the property, such as borrowed funds, gifts, 100% sweat equity, lender cash back incentives.

The amortization cannot exceed 30 years for mortgage loan-to-value ratios 80%.

Premiums in Ontario and Quebec are subject to provincial sales tax. The provincial sales tax cannot be added to the loan amount.


FHA Home Mortgage Financing – 100% Mortgage Financing Help #best #mortgage #company


#100 mortgage financing

#

Learn About Home Mortgage Financing

20% cash down payment ready at-hand. One of the first things potential homeowners will find out about purchasing a house is the plethora of financing options available. In order to understand which option for home mortgage financing best suits you, you ultimately need to find a balance between your current financial position and the lowest interest rate that lenders are willing to quote given your current financial position.

It is important to remember not to “jump the gun” at the first bank willing to lend you financing for your home mortgage. You should always shop around because a small variation in an interest rate percentage could mean the difference in thousands of dollars out of your pocket. Just like no two parcels of land are alike, no two lenders are alike. To help you begin conducting your research, you should first understand the different features of a typical loan.

Interest Rate Information For Home Mortgage Financing

Determine which interest rate best fits your personal finance situation. The most popular loans are Straight-Line (Amortized) Loans, Fixed Loans, and Balloon Loans. There are even loans with negative amortizing characteristics.

Straight-Line Loans are one of the most general and common kinds of loans. They have a periodic unchanging payment, part of which goes to interest and part of which goes to the principal.

Fixed Loans have a fixed interest rate until the principal has been paid in totality.

Balloon Loans are like a Fixed Loan in the beginning stages, then once an agreed upon year arises; the remaining lump sum is then due (hence the name “Balloon”). Sometimes the option is available to obtain a loan with more than one type of loan feature. For example, a fixed rate of 5% for the first ten years, then a fixed rate of 6.5% for the remaining life of the loan. Don’t hesitate to ask any mortgage lenders you meet with if they will customize a loan for you.

Don’t Wait! Call Us: 1-866-871-3088

Finding a Lender For Home Mortgage Financing

  1. Basic loan – the buyer obtains a loan from their bank to make a large, lump sum payment where the buyer makes payments to the bank over the remaining term of the loan.
  2. Third party financing – a bank or other institution buys the house and the buyer then pays mortgage payments to bank.
  3. Seller Financing – this is the case in which the seller has paid off the home and the buyer then makes payments to the seller (of course, with interest).
  4. Assumption – the buyer simply “assumes” the seller’s loan by taking over their payments.

A good way to find a low interest rate is to start contacting commercial banks (usually issue short-term loans) and mortgage companies since they are the most traditional sources of home mortgage financing. Any mortgage lending institution will be able to provide you with the loan options and eligibility requirements such as credit unions, insurance companies, and thrift institutions (i.e. savings banks, loan and savings associations) also lend to help new owners finance their mortgage.

Documentation of Ownership Needed in Home Mortgage Financing

Real estate deed: The institution lending you credit wants to be sure you are the new rightful homeowner that you claim to be. This deed states the dates in which the title was transferred from the seller to you (the buyer) at closing.

Ownership of other assets: The lender wants to be confident that even if you are unable to make the payments in entirety, they will still be compensated. Essentially, you are saying, “If I fail to make the payments in full and on time, you may revoke this other asset that I own.” In order to offer collateral, you must first prove that you are the rightful owner of the asset. Any buyer must have documented proof of ownership for an asset big enough to act as collateral (e.g. savings account statement, car title, real estate deed for some other property, equipment).

It is typical for a buyer to be asked to sign a Deed of Trust that would allow the lender to foreclose or repossess the buyer’s new property if the loan is not repaid. The lender may instead choose to put a lien on your home to secure your repayment of debt (in which you would sign a Real Estate Lien (Promissory)

Debt Services: Be prepared to list all principal and interest amounts that you owe to any other person(s) or institution(s). The lender will use this information to evaluate your long-term solvency so they may be certain that you have the ability to satisfy your long-term obligations.

Loan Fees in Home Mortgage Financing

Interest isn’t the only thing the lender will earn when you choose home mortgage financing through their institution. You can expect the lender to add fees like a Loan Origination Fee (fee to begin loan process that is usually between .5% and 2% of the principal amount) or a Discount Fee (usually occurs when you lower the interest rate).

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100% Home Financing – RANLife No Money Down Programs #calculator #mortgage


#100 mortgage financing

#

100% HOME FINANCING

RANLife offers many 100% Financing programs to make getting a home loan more affordable. A lot of the time, especially for first time homebuyers, saving up enough money for a down payment, closing costs, and moving costs can be one of the most difficult steps in buying a home. It used to be despite having perfect credit and a stable income, a homebuyers dream could quickly be crushed due to a lack of a down payment. Now, with RANLife’s No Down Payment program options, this dream can be a reality! Explore all of RANLife’s 100% Financing programs below:

USDA Home Loans

VA Home Loans

City & State Grant Loan Programs

Some Benefits of the 100% Financing Programs Include:

  • Low Interest Rates
  • Low to No Monthly Mortgage Insurance
  • No Prepayment Penalty
  • Minimized Upfront Mortgage Expenses
  • Low Monthly Payment
  • Loan Amounts up to $417,000 – Calculate Your Estimated Payment Now

Although the most common loan programs require a percentage of the purchase price to be applied as a down payment, there are still Zero Down Home Loan programs available today. To find out more information about RANLife’s 100% Financing Loans and to find out if you qualify please fill out an application online or contact one of our Loan Specialists at (800) 461-4152.

Zero Down Quick Form

Get more info on 100% Financing mortgage programs!

Thank you for your submission. Please check your email for additional information.

All information is kept confidential and is not
shared with any 3rd party vendors.


Financing Your Boat #mortgage #loan #amortization


#boat mortgage calculator

#

Financing Your Boat

Buying a boat isn’t as painful as you might think! Naturally, prices for new boats vary depending on size and make, but many boat manufacturers and dealers can put you in the captain’s chair for considerably less than a monthly new-car payment. In fact, monthly payments for many entry-level boats can be less than $250.

Boat buyers have many choices when it comes to paying for their purchase. Here are a few of the advantages of financing your purchase through your dealer with a National Marine Lenders Association (NMLA) marine lending specialist:

  • Lower down payments – the down payment is based on the age, type and price of the boat you are buying, as well as your own credit profile. In today’s market, marine lenders offer financing with down payments typically in the 10%–20% range, but often there are programs available through various manufacturers that could allow you to qualify for less, or zero-down on new boat specials.
  • Faster credit decisions – because you are working with professionals in the marine industry, those lenders understand boats and their buyers. You can apply for a loan and often be approved in 24 hours.
  • Longer financing terms – marine finance specialists recognize the value of a well-maintained boat, so terms generally will be more attractive than those not actively making boat loans.
  • Lower monthly payments – because marine lenders extend longer terms on boat loans than local banks and credit unions, your monthly payments are likely to be much lower than you have expected.
  • More electronics and extras – marine lending specialists will allow you to finance optional equipment, electronics, extended service plans and life/disability insurance coverage with your purchase.

By financing your boat purchase you can usually afford a newer, larger or more powerful boat, a better trailer and all the gear that it takes to make boating safer and more enjoyable!