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Mortgage
Hotline
Want to talk to someone
about your loan options?
Call toll-free:
1-877-EARTH-50
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Choose the Loan That Fits You Best
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| Earth Mortgage gives you a wide range of loan options on primary
residences, second/vacation homes and investment properties.
To learn more about the varies loan programs Earth Mortgage offers,
view our Loan Programs page.
Home Purchase
Home Refinance
Home Equity
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Home Purchase
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80/20 Mortgage Loans
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The best zero down option!
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- Great rates
- No private mortgage insurance needed
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Fixed Rate
For those planning to stay in a home
for more than ten years
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- Fixed-rate mortgage for rate stability
- Fixed payments for the life of your loan
- Protects from rising home loan rate increases
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Fixed ARMs
For those planning to move or refinance within the initial fixed loan period
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- Offers fixed rate stability for up to 10 years
- Free up cash with this affordable home loan
- Buy more home or minimize monthly payments
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Interest-Only
Pay only the interest—not the principal—for up to 10 years
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- Frees up more of your monthly cash
- Use the savings to qualify for more home
- Ideal mortgage loan for those planning to move or refinance soon
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Bad Credit? We Can Help!
At Earth Mortgage, our goal is to make the lending process easier for everyone - even if you have bad credit.
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- "Bad credit" experts standing by
- Low lender fees, no hidden costs...regardless of your credit
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Home Refinance
(back to top)
Fixed Rate
This loan is for people planning to
stay in a home for more than ten years
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- Stability and peace of mind with fixed principal and interest payments for the life of you loan
- Protect yourself from rising rate increases
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Fixed ARMs
A "fixed period" ARM offers the lowest rates. A great choice if you're planning to move or refinance within the initial fixed loan period
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- Adjustable Rate Mortgages (ARMs) offer the stability of rates fixed for 1 month, 6 months, 1-,3-,5-,7- or 10 years
- A great way to buy more home or minimize monthly payments
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PayOption ARM
Manage your cash better with flexible payment options - ideal for investors or a borrower with an inconsistent stream of income.
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- Initial rates as low as 1.25%; down payments as low as 5%
- The advantages of an ARM combined with up to 4 monthly payment options
- Available on owner-occupied, vacation and investment properties
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Interest-Only
Want lower payments? Pay only the interest - not the principal - for the first 10 years
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- Frees up cash for investments, home improvements, etc. or
- Use the savings to pay down high interest
rate debt
- Ideal if you're planning to move or refinance before the interest-only period expires
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Bad Credit? We Can Help!
At Earth Mortgage, our goal is to make the lending process easier for everyone - even if you have bad credit.
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- "Bad credit" experts standing by
- Low lender fees, no hidden costs...regardless of your credit
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Cash-Out Refinance
Less than 20 days to get the money you need
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- Should you refinance? We will do a free no
cost no obligation analysis. Call today!
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Home Equity
(back to top)
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Home Equity
Lines of Credit |
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Put your equity to work!
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- Great rates, fast cash, less paperwork
- A line of credit is like a "Super Checking
Account"
- Get your cash within 12 days
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Home Equity Fixed Loan
A one-time, lump sum of money borrowed against your home’s equity
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- Predictable fixed payments & interest rate
- Provides cash in a lump sum
- No annual fees
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Bad Credit? We Can Help!
At Earth Mortgage, our goal is to make the lending process easier for everyone - even if you have bad credit.
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- "Bad credit" experts standing by
- Use the equity in your home to consolidate
debt
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