HCT Bank - Helping You Refinance

HCT Bank works as an intermediary to guarantee you get the competitive loans and rates you deserve. We offer extensive information on FHA programs, government financing programs and FHA financing options.

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FHA Loan Requirements

FHA loan requirements and helpful mortgage information and consultation are available online at HCT Bank. Our site offers FHA home loan information, a mortgage loan payment calculator, a mortgage refinancing calculator and a handy glossary of mortgage terms to help you make informed decisions. We not only provide you with FHA loan guidelines, but our superior personal service can help you receive all the benefits government home loans have to offer. Whether you are looking for first time home buyers loans, need to discuss refinance interest rates or want to find out more about a FHA home improvement loan, we can help. We can even help you take advantage of the FHA streamline refinance program. You can submit your application information to us online or over the telephone, to suit your convenience. Visit our site today and learn more about FHA loan rates and how we can help you take advantage of government mortgage programs.

Innovative government programs can help you get the financing you need

FHA loan requirements are but a sample of the comprehensive services we offer. We provide you with much more than an online mortgage calculator and refinance rates. On our site you can find out about innovative Federal Housing Administration programs like the Bridal Registry Account and the Section 203 (k) Single Family Rehab Mortgage Program. The Bridal Registry Account makes it easy for friends and family members to deposit cash wedding gifts into an interest bearing account for couples to use for a down payment on a house. The Section 203 (k) Single Family Rehab Mortgage Program offers affordable rates and allows for either minor rehabilitation or virtual reconstruction. The homebuyer saves time and money by financing both the acquisition and rehabilitation of a house under one fixed or adjustable rate mortgage. Homeowners can take advantage of this program, as well.

With the Federal Housing Administration's streamline refinance program, you can lower your monthly payments. We can show you how to apply for this program if you already have a mortgage insured by the Federal Housing Administration and your payments are current. Contact us today to find out more about this program that is often available with no closing costs.

For homeowners age 62 or older, HUD offers a reverse mortgage program, allowing the property owner to receive periodic payments by borrowing against equity. Property owners with low mortgage balances or paid off mortgages can qualify for this program.

Our mortgage services help you get the financing you need at attractive rates

Government financing programs can help you realize your dream of home ownership, help you rehabilitate your house or lower your monthly payments. We offer complete mortgage services, assisting you with the financing process from start to finish. With our comprehensive online services, there's no need to spend hours looking for government mortgage information. Our site conveniently offers all the mortgage details and application information you need to apply for financing. Your specific needs and requirements are very important to us. We work with an established network of lenders to ensure that you get the best financing for your situation. Federal programs offer many financing options for homeowners and homebuyers. Visit our site today and let us assist you with Federal Housing Administration financing.

Federal Housing Administration financing options.

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