773-774-4900 — Fax: 773-774-4961 Email: support@coynefinancial.com

Wisconsin Office:  262-275-1289 — Fax: 262-275-1290

Product Portfolio

Coyne Financial specializes in residential financing for one- to 4-unit properties (including Condos, Townhouses and PUDs) also offers the following programs:

Fixed Rate Programs:
The traditional option for home financing that ensures predictable payments.

	30-, 25-, 20-, 15- and 10-year loan terms
	NEW! 40-year loan terms

Adjustable Rate Mortgages (ARMs):
Take advantage of lower rates in the beginning years of your loan. Ideal for those homeowners who will only be in their home a short time or for those that need a cheaper payment upfront to better qualify for a loan.

	6-month, 1-year, 3-, 5- and 7-year adjustable
	Some offer conversions to a fixed rate
	Annual, semi-annual and life-time caps on rate increases

2^nd Mortgages & Home Equity Lines of Credit (HELOC):
Use the equity in your home to pay for home improvements, debt consolidation, education, medical bills, etc. Since the debt is secured by your home, the interest may be a tax write-off!

	Fixed rate option with loan terms from 5 to 30 years
	10-year interest only options followed by 15- or 10-year repayment plan (Interest rate floats with prime)
	Little or no closing costs!

Free, 24-hour Pre-Approvals:
Obtain a mortgage approval before you go house hunting! You will have the confidence in knowing just how much you qualify for and with Coyne's Pre-Approval Letter you can better negotiate when bidding on a property.

New Construction Loans
with a "one-time closing" for both the construction loan and the permanent loan. (Saves on closing costs.)

Refinancing:

	Reduce your interest rate
	Reduce your loan term
	Convert an adjustable rate mortgage to a fixed rate program
	Cash out to consolidate debts, for home improvements, for education or to pay medical bills

FHA Loans:

Perfect for those with lower credit scores and/or with little money to put down.  Rates as low or lower than Conventional.  Most importantly, these loans are insured by the government.

VA Loans:

100% financing possible for veterans with full entitlement.  No mortgage insurance!

Interest Only Loans:

Looking for the cheapest mortgage payment? Go interest only! Coyne Financial can offer up to 10-year interest only options.

Loans for Investment Property:

Most lenders want a minimum of 20% down payment on an investment property: some even 30%! Coyne Financial can offer 0% down payment!

Stated Income Loans

No Income/No Asset Verification Loans

Non-conforming loans

For those with less than average credit—even those who have had a bankruptcy!

Reverse Mortgages:

Instead of paying the bank, have the bank pay you! Available to seniors, 62 years and older. Call us at 773-774-4900 for more information.

As a mortgage broker, we are able to work with many different lenders to find the loan that is best for you. We do the shopping for you—assuring you the best rate and term available! We will tailor a program to fit your specific needs.

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Coyne Financial is an Illinois & Wisconsin Residential Mortgage Licensee