PURCHASE
At Alpha Home Loan, we sincerely want everyone to be a home owner and achieve the American Dream. That's
why we have many home loan purchase programs to fit just about everyone - from those with perfect credit and
those with credit problems. We offer:
•Conventional and FHA and VA Loans
•No income verification and Sated Income for self employed
•Low 15, 20 and 30
•No Private Mortgage Insurance
REFINANCES
Most lending institutions think about refinances as just lowering your or monthly payment, but at Alpha
Mortgage USA, we try to help you accomplish more by refinancing your home. For example:
•Lowering your rate
•Lowering your monthly payment
•Shortening your term so you can have your home paid for sooner
•Paying property taxes if you don't have the money
•Refinancing your contract for deed into your name
•Refinancing a lease/purchase agreement into your name
If you are planning to sell your home and move in the next 3 to 5 years and have a 20 or 15 years fixed rate
mortgage, we can show you how to save thousands of dollars. We offer a free refinance evaluation to show the
benefits of refinancing so you can see the benefits.
CONSTRUCTION LOAN TO BUILD
•Interim Construction Lending
•One Time Close Construction Loans to build your new dream house
REVERSE MOFTGAGE LOANS
Senior Homeowners 62 years old and older may qualify for a reverse mortgage that will enable them to payoff
their current mortgage, get a lump sum cash distribution or monthly income. There are no monthly mortgage
payments as long as the Senior occupies the home.
HOME EQUITY CASH OUT
At Alpha Home Loan, we pride ourselves on being the experts for Home Equity loans. If you need cash for any
reason, a tailored home equity loan proposal is a phone call away or you can apply online. We can show how
to 1.) lower your payments 2.) give you cash 3.) cut your term 4.) cut your taxes 5.) defer your payment. Here are
just a few examples of what you can do with the equity in your home.
•Home improvements - unlike home improvement loans, you control the funds and how you pay the contractor
or you can do it yourself.
•Debt consolidation - we will provide you with a free "debt free" plan that can show you how to be debt free in
5 to 7 years. The interest on your home equity loan is tax deductible. Credit card and other loan interest is
not.
•College expenses - the cost of sending your children to school gets more expensive every year. Using the equity
in your home is a viable tool to cover these expenses.
•Taxes - you can use the equity in your home to pay property taxes and income taxes.
•Any reason - you use the money for anything you want.
COMMERCIAL REAL ESTATE LOANS
•All Property Types
•25 to 30 Year moralizations
•Fixed Interest Rates
•Purchase, Refinance or Cash Out
•Construction Bridge Loans
