Roxburgh Mortgages Services, a division of Bankers Direct Business Finance, offer a complete menu of mortgage financing programs. Whether you are purchasing your first home or next home, building or refinancing, we can meet your specific needs. Be sure to ask about our pre-approval program.

Fixed Rate Mortgage Programs: Enjoy the security of a fixed interest rate on a fully amortized loan where the monthly payment remains the same for the life of the loan. This type of loan is ideal for borrowers who do not want the risk associated with changing mortgage payments.

Adjustable Rate Mortgages (ARM): This program allows borrowers to buy more home for their money, which can help reduce your monthly housing expenses.  With this type of loan, your interest rate and payment can change. ARMs typically have a lower initial interest rate than fixed rate mortgages. Interest-rate caps are provided on all ARM products for your protection.

Construction Mortgages: Build your dream home with one of our construction mortgage programs. Typically four disbursements are scheduled and interest-only payments are made during the twelve-month construction period.  Once completed, your loan will convert to a permanent ARM mortgage product.  Our construction loan experts will guide you through every step of the process. Plus, you’ll have one convenient closing, saving you substantial time, paperwork and money!

Jumbo Mortgages: Jumbo mortgages are available at fixed or variable interest rates, for customers requiring financing above Freddie Mac and Fannie Mae loan amounts (up to $3 million).

Construction to Perm: We provide financing for the purchase of approved building lots.

Investor Mortgages: Investor mortgages are available for one- to four-family homes, condos, and large commercial complexes.

FHA-Insured Mortgages: Federal Housing Authority (FHA) mortgages generally offer lower down payments plus flexible qualifying guidelines. You can obtain either a fixed-rate level payment plan or an adjustable rate mortgage.

VA Mortgages: Mortgages guaranteed by the Veterans Administration allow up to 100% financing. VA mortgages are available to eligible veterans and others who qualify.

Bridge Loans: Bridge Loans offer interim financing between the sale of a present home and the purchase of a new one.

Reverse Mortgages for Seniors: This special program enables homeowners age 62 and older to tap into the equity in their homes.

Mortgage Checklist

The following information is usually required during the loan process:

• Your Social Security number
• Current pay stubs or, if self employed, your tax returns for the past two years
• Bank statements for the past two months
• Investment account statements for the past two months
• Life insurance policy
• Retirement account statements for the past two months
• Make and model of vehicles you own and their resale value
• Credit card account information
• Auto loan account information
• Personal loan account information

If you currently own Real Estate:

• Mortgage account information
• Home insurance policy information

Home equity account information (if applicable)

For more information about our Residential Mortgage Loan programs, and any of our corporate funding services, please call us at 954-227-7440 Or Apply Online.