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Wicks Lending

We help you get your dream home

Loan Product Disclosures

ALL LOANS

All loans subject to underwriting approval. Certain restrictions apply. Call for details.

FHA AND FHA 203(K) LOANS

All loans subject to underwriting approval. Certain restrictions apply. Call for details. Wicks Lending is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government.

HOME EQUITY LINE OF CREDIT (HELOC)

Failure to pay on your HELOC could damage your credit standing and result in the loss of your home through foreclosure.

REVERSE MORTGAGES

All loans subject to underwriting approval. Certain restrictions apply. Call for details. Wicks Lending is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. Reverse mortgages: To obtain a reverse mortgage, you must take an approved counseling course available at little to no cost and receive a certificate of completion that will be required during the application process. While you won’t make any mortgage payments, you will still be responsible for property taxes and homeowners insurance.

USDA LOANS

All loans subject to underwriting approval. Certain restrictions apply. Call for details. FOR NO DOWN PAYMENT OR 100% FINANCING: Borrower income limited to 115% of median income for the area. Borrowers must have reasonable credit histories. 30-year loan term. Housing costs cannot exceed 29% of income; total debt payments cannot exceed 41% of income. Homes must meet state and HCFP building codes. Funding fee required. Available only in rural areas.

VA LOANS

Certificate of Eligibility required for VA loans.

Related Information

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