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Found your dream home? Just need the right loan?
Countrywide gives you a wide range of home loan options on primary residences, second/vacation homes and investment properties.
We offer:
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Loan amounts up to $6 million. Greater than $3 million not allowed for Fixed products. Only for selected ARM products. |
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Fixed Rate: 10, 15, 20, 25, 30 & 40 Years Loans and Hybrids. Hybrids are all 30 year terms. |
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Financing for Single Family or 2-4 units. |
Quick help for selecting the right loan to get you into a home: |
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Have our interactive Loan Advisor
suggest a loan for you |
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Read the information here about the special features of Countrywide's loan
programs |
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Get general information on home loans in Learn about
loans. |
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Fixed Rate Loans
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| For a list of features on any of these loans, just click the name of the loan program. |
 | | Loan Program | Reason to Choose It | Key Feature |
| | | | | | | | | | | You want the stability of a fixed principal/interest payment over the life of the loan. |
| | | Down payments as low as 5%. |
| | | | | | | | | You want to put down just 5%. |
| | | Source of down payment can come from gifts, grants or unsecured loans. |
| | | | | | | | | You are building or significantly renovating a home and want to avoid the extra cost of two closings (construction loan and permanent loan). |
| | | One application, one qualification process, one closing, and one set of closing costs. Interest-only payments during construction, the choice of adjustable rate or fixed mortgage products and the option of permanent loan rate protection available for up to 18 months.** |
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Adjustable Rate Mortgages
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| For a list of features on any of these loans, just click the name of the loan program. |
| | Loan Program | Reason to Choose It | Key Feature |
| | | | | | | | | | | You want to start with a low payment or want to buy more home. |
| | | As little as 5% down; rate adjustments each 6 months. |
| | | | | | | | | You want to start with an extra low rate. |
| | | Reduced rate in exchange for limits on refinancing and early principal reduction for first 3 years. |
| | | | | | | | | You plan to move or refinance again in a few years and want the security of a fixed rate for that period of time. |
| | | Fixed rate for 3, 5, 7 or 10 years, then adjusts annually based on a financial index. |
| | | | | | | | | You want to start with an extra low rate, plus have the security of a fixed rate for a set number of years. |
| | | Reduced rate in exchange for limits on refinancing and early principal reduction for first 5 years. |
| | | | | | | | | You are building or significantly renovating a home and want to avoid the extra cost of two closings (construction loan and permanent loan). |
| | | One application, one qualification process, one closing, and one set of closing costs. Interest-only payments during construction, the choice of adjustable rate or fixed mortgage products and the option of permanent loan rate protection available for up to 18 months.** |
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Loans Exceeding Fannie Mae/
Freddie Mac Guidelines
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| For a list of features on any of these loans, just click the name of the loan program. |
| | Loan Program | Reason to Choose It | Key Feature |
| | | | | | | | | | | You need to borrow amounts exceeding the conforming loan
amounts allowed by FNMA and FHLMC*. |
| | Loans up to $6 million. Wide variety of program options:
- Reduced Documentation Loans
- No Ratio Test Loans
- Second Homes
- Investment Properties
- Condominiums
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Loans Designed for People with Various Financial Obstacles
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| For a list of features on any of these loans, just click the name of the loan program. |
| | Loan Program | Reason to Choose It | Key Feature |
| | | | | | | | | | | You may not have enough cash for a down payment, lack a traditional credit history or have uncommon sources of income. |
| | | Can use cash gifts from family, other sources of income, and alternative payment records like rent and bill payments to
establish credit. |
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Loans for People with
Less Than Perfect Credit
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| For a list of features on any of these loans, just click the name of the loan program. |
| | Loan Program | Reason to Choose It | Key Feature |
| | | | | | | | | | | For borrowers who want the stability of a fixed principal/interest payment over the life of the loan |
| | | Fixed rate and payments for over the life of the loan. Borrowers can choose from 10,15,20,25,30,35 or 40 year term. |
| | | | | | | | | Helps borrowers stabilize their situation to get "back on track" while enjoying a lower interest rate loan for a fixed period of time |
| | | Fixed rate for 3 or 5 years, then adjusts annually based on a financial index. |
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* Restrictions apply. Program guidelines are subject to change Some products not available in all states.
** Interest rate is based on the one year Libor rate plus a margin the day your loan is locked. After that the rate is subject to annual adjustments with a limit of 2% and a lifetime adjustment limit of 6%. Underlying Promissory Note and Deed of Trust signed at closing are for a 1 year LIBOR ARM. ARM rates subject to increase during loan term. At conversion, the customer can choose to use the 1 year LIBOR ARM or select another available loan for which they originally qualified. Construction phase is 6, 9, 12 or 18 months and affects pricing. Ask for details.
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Equal Housing Lenders. © 2008 Countrywide Bank, FSB, Countrywide Home Loans Division. Member FDIC. Trade/service marks are the property of Countrywide Financial Corporation, Countrywide Bank, FSB, or their respective affiliates and/or its subsidiaries. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved.