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MUST READ!!!!!!!!!!

The past 2 months have been amazing.  We have been delivering rates under 5% for some time.  Rates are volatile, however, so please act quickly!

CALL ME OR APPLY ON LINE AND I WILL CALL YOU BACK!!!!!!!!!!!!!

 We focus on delivering the best deal for our clients EVERY time!

Our main focus in on RESIDENTIAL FINANCING

Our specialties are:

Purchase transactions

• 100% purchase financing is no longer available at this time (except for VA and USDA, please ask if you qualify), 96.5% is the highest LTV available if you do not fall into the aforementioned loans.
• First time home borrowers are welcome- We have special programs just for you.  We will do our best to educate you about the pitfalls that you may encounter and coach you to avoid them.
• Purchase that vacation home that you have been dreaming about.
• Want to buy investment properties, please ask us how to qualify.
• Poor Credit- we will do our best to realize your dreams and get you into the house you deserve.

Refinance transactions

• Cash out refinance- Use the equity in your home to 85% of the value. (pay off debt or do the remodeling that you been dreaming of)
• Rate and Term refinance- We would only entertain this idea if we can beat the loan you have now.  Call us for a free examination.
• Get out of the Adjustable rate mortgage that has been keeping you up all night!

Getting the transaction done quickly and efficiently

• We have an incredible loan processing staff and they work with tremendous efficiency to close your loan in the proper time frame.
• We are very technology oriented as a company.  Our goal is to use as little paper in the process as possible.  We have systems in place that use E-Signatures and E-Faxes.  That makes the process so much easier on all ends and helps the environment all at the same time.  It's a WIN-WIN!

***All loans are evaluated on a case by case basis.  Rates and terms depend on several factors.  Those factors are Credit Score, Debt to Income ratio, Loan to Value, Income, Employment etc.  Please call us at any time to Pre-Qualify for a loan.