Sands Mortgage Company has underwriting authority on virtually all of the types of loans which means nearly instant approvals. Call for a prequalification today, or fill out an application online (see Apply On-Line).  - Conventional Loans (under $417,000)    - Jumbo loans (loans over $417,000)   - Automated underwriting   - Special Interest Rate Buydown mortgages   - 5% and 10% Down with No PMI                           - Second  Mortgages                                             - 100% Purchase Financing (Good Credit)   -  Stated Income Program   -  No Income Verification Loans     Choosing a Mortgage Loan Program Selecting an Interest Rate    Below are a few of the most common loans options:   30-25-20-15-10 Year Fixed Rate Mortgage 1/1-3/1-5/1-7/1-10/1 Adjustable Rate Mortgage (ARM Loan) 5 and 7 Year Balloon Mortgages  Temporary Interest Rate Buydown Options   Overall, our Products and Services standout because of professionalism, attention to detail and a thorough understanding of pricing, products and the mortgage loan process for our customers. Try us-you will not be disappointed.