Adjustable rate mortgage (ARM)

This loan option may allow for lower mortgage interest rates initially, which may result in lower initial monthly payments. An ARM typically carries a lower interest rate and adjusts annually.

Lot and land loan

Whether you’re looking for the perfect place to build a home or land to call your own, we offer a program for both!

  • Loan amounts up to $750,000
  • Options available for parcels less than 10 acres and parcels greater than 10 acres
  • Eligible properties include: vacant land, zoned detached single family and improved lots for utilities

Jumbo loan

Intended for homebuyers with excellent credit who seek competitive home financing for loan amounts greater than the conforming loan limit of $484,350.

  • Loan amounts up to $1.5 million
  • Eligible properties include primary residences and secondary homes

Non-warrantable condominium

If you are looking to buy a non-standard condominium, or if you are under contract to purchase a non-warrantable condominium, we have loan options to fit your needs.

  • Loan amounts up to $750,000
  • Adjustable and fixed-rate options
  • Primary residence and second homes are eligible
  • New, newly converted and mixed-use projects may be accepted

HomeReady® loan

The HomeReady loan from Fannie Mae may help you afford a home sooner than you think!

Highlights of the program include:
  • Low down payment
  • Reduced interest rate
  • Borrower is not required to be a first-time homebuyer
  • May be used for purchase or refinance of current mortgage loan
  • Convenient online homebuyer education courses for purchaser
  • Section 8 income accepted

HomeStyle® Renovation loan

The HomeStyle Renovation loan from Fannie Mae is a single-close mortgage loan that combines the purchase money and the cost of moderate repairs and improvements.

  • May be used toward purchases or refinance
  • No minimum dollar amount

Fannie Mae student loan solutions

Through Fannie Mae, we are able to offer options to make homeownership more affordable for borrowers with student debt. These solutions include:

    Student loan cash-out refinance
  • Offers current homeowners the flexibility to use their home equity to pay off high interest rate student loans.
  • Debt paid by others
  • Excludes non-mortgage debt (including credit cards, auto loans and student debt, paid by someone else) from the borrower’s debt-to-income ratio, which can increase eligibility to qualify for a home loan.
  • Student debt payments calculation
  • May help borrowers with good student loan credit history to qualify for a loan by allowing TCF Home Loans to accept student loan information on credit reports.
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