Our mortgage loans are based on four distinct categories, but our terms, rates and downpayment requirements are flexible enough to meet almost any situation. Take a look at the options available and decide which one is right for you.

RESIDENTIAL MORTGAGES:
For most Bahamians, becoming a homeowner is their number one objective. Family Guardian recognizes that an investment in a home is generally the single-most important investment decision that a person will make in the course of his/her life. For the past thirty years, Family Guardian has played a pivotal role in helping our clients meet these objectives.

Today, we offer attractive terms and low downpayment on residential mortgages for purchases of vacant lots, completed residences, and residential construction. Our residential loans also apply to duplexes, provided the borrower resides in one unit.

EQUITY FINANCING:
Family Guardian also allows clients to use the equity they have accumulated in their home to consolidate other loan facilities in order to improve monthly cash flow. Additionally, equity financing may be used to borrow funds for investments, educational, or medical expenses.

INVESTMENT LOANS:
Our Investment Loans apply to all income-producing properties with three to five units. Due to the increased risk associated with an investment loan, the interest rates and downpayment requirements, though competitive, are slightly higher than those of a residential loan.

COMMERCIAL LOANS:
Commercial Loans refer to financing of any commercially zoned vacant lot, commercial buildings (including strip malls) and apartment complexes with six or more units.