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. 

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. 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.

Division One Lending LLC

5539 Eureka Dr

Suite C

Hamilton, OH. 45011

NMLS : 2547884 OH RM.805195.000