http://www.ameristarmadison.com/ Ameristar Mortgage, your local Illinois and Wisconsin mortgage broker, offers first time home buyer, 80/20, cash out refinance, jumbo loans, construction, lot loans, no money down, refinance, 100% financing, interest only, stated income stated asset, investment, my community mortgage, Fannie Mae flex 100, jumbo VA loans, Freddie Mac home possible, FHA loans, VA loans and rural housing loans. Visit us online at http://www.ameristarmadison.com or contact us at (608) 242-0826. Copyright 2002-2008, Ameristar Mortgage - www.ameristarmadison.com. en-us 30 Year fixed: 6.125% (6.188% APR) 15 Year Fixed: 5.750% (5.838% APR) 3/1 Jumbo ARM: 6.500% (6.571% APR) 5/1 Jumbo ARM: 6.625% (6.697% APR) 5/1 ARM: 5.625% (5.686% APR) 3/1 ARM: 5.625% (5.686% APR) 30 Year FHA and VA: 6.250% (6.434% APR) 30 Year Rural Housing: 6.250% (6.434% APR) 3/1 ARM Lot Loan: 6.500% (6.620% APR) 1/1 ARM Lot Loan: 6.350% (6.470% APR) http://www.ameristarmadison.com/current_rates/index.htm 30 Year fixed: 6.125% (6.188% APR) 15 Year Fixed: 5.750% (5.838% APR) 3/1 Jumbo ARM: 6.500% (6.571% APR) 5/1 Jumbo ARM: 6.625% (6.697% APR) 5/1 ARM: 5.625% (5.686% APR) 3/1 ARM: 5.625% (5.686% APR) 30 Year FHA and VA: 6.250% (6.434% APR) 30 Year Rural Housing: 6.250% (6.434% APR) 3/1 ARM Lot Loan: 6.500% (6.620% APR) 1/1 ARM Lot Loan: 6.350% (6.470% APR) http://www.ameristarmadison.com/current_rates/index.htm We pride ourselves on being able to assist the first time home buyer in learning and understanding the process. We take the time to review the credit process and explain the various lender programs available. http://www.ameristarmadison.com/first_time_home_buyer_wisconsin/index.htm Ameristar Mortgage offers Illinois and Wisconsin FHA mortgage loans to Wisconsin and Illinois residents: Purchase a home thru FHA with no money down (100% financing). Cash our refinance with an FHA mortgage to 95%. Ameristar Mortgage is an approved mortgage broker for FHA loans. http://www.ameristarmadison.com/government_loans/fha_wisconsin/index.htm Due to ever changing guidelines to the stated income program Ameristar Mortgage now offers jumbo bank statement and 1099 mortgage programs to $1,500,000 available to Wisconsin and Illinois residents. http://www.ameristarmadison.com/wisconsin_illinois_jumbo_bank_statement/index.htm Due to ever changing guidelines to the stated income program Ameristar Mortgage now offers core bank statement and 1099 mortgage programs to $750,000 available to Wisconsin and Illinois residents. http://www.ameristarmadison.com/wisconsin_illinois_core_bank_statement/index.htm FHA has increased the loan limits to $410,000 for single family homes in Cook, Dupage, Dekalb, Grundy, Kane, Kendall and Lake counties. The increase should provide some relief for homeowners paying adjustable or high mortgage rates. The measure is temporary, and will be available until the end of 2008. http://www.ameristarmadison.com/announcements/FHA_loan_limits.htm Home Possible is a Freddie Mac program that has very flexible credit guidelines for low to moderate income borrowers. It's available to purchase or refinance a single family home, condominium, or a 2–4 family home. http://www.ameristarmadison.com/wisconsin_illinois_home_possible/index.htm With loan amounts up to $1.5 million and interest rates significantly below comparable jumbo products, there's no better time to consider jumbo VA loans! Eligible borrowers include active military, veterans, reservists, National Guard, and unmarried surviving spouses of eligible service members. http://www.ameristarmadison.com/wisconsin_jumbo_va_illinois_jumbo_va_loans/index.htm Ameristar Mortgage offers full doc, stated, bank statement and 1099 jumbo loans and non conforming home loans, including fixed and adjustable rate jumbo mortgage loan products, balloon products, and even interest only programs to meet the purchase or refinance needs of our borrowers... http://www.ameristarmadison.com/wisconsin_jumbo_mortgage_loans/index.htm Enjoy the privilege of no money down loan for qualified Illinois and Wisconsin veterans and reservists. The Department of Veterans Affairs insures these loans, so you'll get more freedom to make decisions. http://www.ameristarmadison.com/va.htm Whether you are looking to refinance your current Illinois or Wisconsin mortgage to obtain a lower rate, get out of your current adjustable rate mortgage (ARM) and into a fixed rate, get cash out to add an addition, finish your basement, or to just payoff credit cards and other unwanted debt Ameristar Mortgage has the right refinance program for you: http://www.ameristarmadison.com/cash_out_refinance/index.htm An Interest Only mortgage is an excellent mortgage option for borrowers who want the lowest payment possible. An Interest Only loan means exactly what it says, the borrower pays interest only. By paying interest only on a mortgage loan, borrowers can purchase more home with the same payment as they would with a traditional 30 year fully amortizing loan. http://www.ameristarmadison.com/interest_only_mortgage_loans/index.htm Ameristar Mortgage of Wisconsin and Illinois offers Stated Income Stated Asset Verification (SISA) Low Doc Mortgage - Great for self employed or W2 employees who cannot document income or assets... http://www.ameristarmadison.com/stated_income_stated_assets_wisconsin/index.htm Rural Housing loans offer 100% Financing plus up to appraised value for closing costs and escrows (pre-paids). The Guaranteed Rural Housing (GRH) loan program provides moderate income families with access to affordable home ownership in eligible rural areas. Ameristar Mortgage provides home purchase financing requiring no down payment and can finance loan closing costs and repairs up to the property's appraised value. http://www.ameristarmadison.com/government_loans/rural_housing/index.htm Loans that finance the full purchase price, and thus do not require a down payment, are called "100% financing loans". 100% Financing loans are also referred to as "no money down loans". Ameristar offers the following 100% financing programs: http://www.ameristarmadison.com/100percentfinancing_no_money_down/index.htm Lender Paid Mortgage Insurance (LPMI) is available on Conforming 30 and 40 Year Fixed products giving you the simple path to financing your home loan. http://www.ameristarmadison.com/lender_paid_mortgage_insurance/index.htm We have a variety of programs tailored for borrowers that have a less-than perfect credit history. Many potential homebuyers come to us after they have been turned down elsewhere, and often by numerous lenders. The primary difference between Ameristar Mortgage and other lenders is that we view low credit scores, low income, low home equity, and marred credit histories simply as unique challenges rather than impossible obstacles. http://www.ameristarmadison.com/less_than_perfect_credit/index.htm Finance up to 95% with a construction loans and up to 90% on a Wisconsin Illinois lot loan. Ameristar Mortgage also offers a cash out refinance lot loan. Purchase a new lot or refinance you current lot mortgage loan. http://www.ameristarmadison.com/construction.htm My Community Mortgage (MCM) is a Fannie Mae program that has very flexible credit guidelines for low to moderate income borrowers. It is available to purchase or refinance a single-family home, condominium, or a 2 to 4 family home. http://www.ameristarmadison.com/wisconsin_illinois_my_community_mortgage/index.htm Get a conventional 100% loan with only $500 down. With the Flex 100 Program, you can get more house for less out-of-pocket costs. If you have not accumulated the assets to meet traditional financial requirements, this program may be for you. http://WWW.ameristarmadison.com/wisconsin_flex_100/index.htm If you are looking to make no or low down payment or if you are a veteran, the government may be able to help you with a no money down purchase or refinance! Check out these great programs: FHA loans, VA loans and Rural Housing loans: http://www.ameristarmadison.com/government_loans/index.htm 80/20 mortgage loans sometimes called a Piggy-Back loan, is a program designed to help Borrower's purchase a home with 0% down while avoiding Mortgage Insurance. An 80/20 loan is actually 2 mortgage loans, a 1st mortgage (at 80% of the value of the home) and a 2nd mortgage (at 20% of the value of the home.) http://www.ameristarmadison.com/combo_80_20_mortgage_loans/index.htm Ameristar Mortgage Wisconsin and Illinois offers No Ratio mortgage loans - Low Doc Mortgage - Great for self employed or W2 employees who cannot document income but can verify assets and employment history... http://www.ameristarmadison.com/wisconsin_illinois_no_ratio_mortgage/index.htm Ameristar Mortgage Wisconsin and Illinois offers No Income Verification (NIV) no income verified assets - Low Doc Mortgage - Great for self employed or W2 employees who cannot document income but can verify assets... http://www.ameristarmadison.com/no_income_verification_wisconsin/index.htm Ameristar Mortgage of Wisconsin and Illinois now offers updated rates and program information on your desktop, Myspace, Facebook, iGoogle and many others sites for integration via our new widget. http://www.ameristarmadison.com/wisconsin_mortgage_news/index.htm Want to receive updated feed content by email? You will only recieve updates when I update this feed. Click on the link to active your email subscription. http://feedburner.com/fb/a/emailverifySubmit?feedId=469070 You need a mortgage company that can answer your questions, provide accurate estimates and close your transaction on time. Put Ameristar's experience in closing thousands of purchase and refinance transactions to work for you. http://www.ameristarmadison.com/programs/index.htm