• No down payment loans for owner occupied properties
• First time buyer programs
• 10% down payment programs for rental properties
• And many more!

Refinance Loans:

• Lower your interest rate
• Lower your payment
• Consolidate your debts
• Make home improvements
• Obtain money for any purpose

Veterans Assistance Loans:
VA offers excellent programs for veteran buyers. No down payment, no closing cost loans at competitive, low rates for home purchases.
VA streamline refinances are available with no appraisal required.

PERS Loans:
PERS members can buy a home by borrowing the down payment from their PERS account. Get the benefit of the lowest rate at the time of application or when ordering loan documents.
Inquire about PERS unique rate roll down feature.
PERS also offers refinance loans.

Less Than Perfect Credit Loans:
There are many loans available for those who have had a few credit problems, to those who have had bankruptcies and even foreclosures.
Let Sterling Financial help you through credit problems to home ownership.

Niche Loans:
Other loan programs are available to suit most any need: no income verification loans; no documentation loans; construction and lot loans; seconds; equity loans/lines; and too many other programs to list. Please call with your specific needs. Sterling Financial will be happy to find just the right loan for your situation.