Home Purchase   Home Refinance   Home Equity   Debt Consolidation     Fixed Rate Mortgage   Adjustable Rate Mortgage   Government Loans   Commercial Loans     Rate Quote   Loan Calculator   Credit Reports   FAQ's        Hartland Mortgage Centers, Inc. offers a variety of program options with little (5% or less) money down depending on your credit and the type of property.      Home Equity loans are generally at a fixed rate for a fixed period of time. You receive all funds at one time. Home Equity lines of credit are adjustable usually tied to the prime rate. You request a loan or line for the total amount you would like but only access as much as you need at closing. When you need additional funds you access your unused balance as you would a checking account. Basically, you borrow as you need the cash and not all upfront.      The ANNUAL PERCENTAGE RATE (APR) is NOT the same as the Interest Rate (Note Rate) of the mortgage loan that you are obtaining. The Note Rate describes only interest. The ANNUAL PERCENTAGE RATE, which is usually higher, also includes consideration of the PREPAID FINANCE CHARGES, and MONTHLY mortgage insurance premiums required, if applicable. (page 1, page 2)     Loan Amount:   $   ---Select Property State--- Arizona Colorado Florida Georgia Illinois Indiana Michigan Minnesota Nevada Ohio Utah Wisconsin   ---Select Loan Program--- 30 Year Fixed 15 Year Fixed 15 Year Fixed Jumbo 20 Year Fixed 30 Year Fixed Jumbo 40 Year Fixed 3/1 Libor ARM 3/1 Libor ARM Jumbo 5/1 Libor ARM 5/1 Libor ARM Jumbo 7/1 Libor ARM