Our Loan Programs

We are committed to helping you understand and compare home mortgage loan options. So we've compiled a list of some common questions about mortgages that we frequently hear from our customers. If you don't find the answer you are looking for, please contact us right now!

Fixed Rate Mortgage

For borrowers that plan to stay in their homes for a long time, Bank of England Mortgage offers several fixed rate mortgage options—including 10, 15, 20, and 30 year programs.


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Adjustable Rate Mortgage

Our adjustable rate mortgages offer an excellent option for home buyers - a lower rate than traditional fixed-rate mortgages offer and the stability of longer-term fixed-rate mortgages.

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FHA Loans

An FHA loan provides low-cost insured home mortgage loans that suit a variety of purchasing options. Whether you're buying or refinancing your home, an FHA loan might be right for you.


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VA Loans

We offer an easy-to-understand loan process for our veterans. Whether you're buying a home or refinancing your existing mortgage, we are your ultimate VA loan information center.

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Vacation Home Loans

Our vacation home mortgages make your dreams - backyard barbecues and sunsets by the lake, relaxing fishing trips with children and grand children, family skiing vacations - a reality.

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Jumbo Loans

If amount of the loan for your dream home exceeds the federal limits for conventional loans, you need a jumbo mortgage loan from Bank of England Mortgage.


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Reverse Mortgage

With a reverse mortgage, you borrow against the equity you have established in your home and do not need to repay the loan for as long as you live in the home as your primary residence, maintain your home in good condition, and pay property taxes and insurance.

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PMI

Private Mortgage Insurance is generally required for down payments less than 20% of the loan value. It protects the lender in exchange for accepting a smaller down payment.



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LPMI

Lender Paid Mortgage Insurance allows a borrower to pay as little as 5% down plus an additional percentage of the loan amount and avoid being charged private mortgage insurance.



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Contact Us

Our goal is to exceed your expectations. The combination of our excellent staff, superior operations, and devotion to customer service, means one thing to all of us at Bank of England Mortgage Southern States: We will not stop until we have exceeded our clients' expectations. We look forward to that opportunity.