Certafund works with hundreds of banks to provide you with access to the most loan programs. This ensures that you will find the right loan program for you.

Fixed Rate Loan Programs

With a fixed rate loan program you don't have to worry about your monthly payment changing. Your interest rate and loan payment is fixed for the life of your loan. Certafund offers terms ranging from 6 months to 10 years.

Variable Rate Loan Programs

Your interest rate will adjust periodically during the loan term.

Interest Only Loan Programs

You only pay interest, reducing your monthly payment.

With an interest only loan you only pay interest during the initial interest only period.

This allows you to:

• Lower Your Monthly Payment
• Qualify for a Larger Loan Amount
• Free cash up for investing, paying down debt, etc.

Cash Back / Zero Down payment Programs

Saving for a down payment can take a long time. With a rising market, it makes sense to consider zero down payment programs so that you can take advantage of lower prices. Certafund can help you achieve your dream of home ownership with a variety of zero down payment programs.

Stated Income Programs

If you are self employed, have recently taken a new job, or want to simply reduce the amount of paperwork needed to close your loan, stated income may be the right loan program for you.

Stated income allows you to "state" your annual income, eliminating the need to document your income through pay stubs, tax returns and other official documents.

Stated Income is the Best Choice for You if You are:

• Self Employed
• Recently started a new job after an extended period of time between jobs.
• Prefer to reduce the amount of paperwork.
• Prefer to not share your financial documents with Certafund.