Home Purchase

Buying a home is one of the most important financial decisions you can make. Most people compare at least 10 houses before choosing one to buy. With us you can comparison-shop for your mortgage loan too! We will research hundreds of lenders and loans to find the one that best fits your needs.

When you refinance your mortgage, you obtain a new loan to replace your existing, higher-interest loan – or to turn your adjustable interest rate into a fixed (lower-risk) rate. If you haven’t looked into refinancing your mortgage, you should do it TODAY – rates are the lowest they've been in close to 30 years!

Equity Loan,Second Mortgages

The “ equity” in your home is the difference between the fair market value of your property and the amount you still owe on your mortgage loan. For example, if you still owe $50,000 and the property is worth $125,000, you have $75,000 in home equity. Many people use their equity as collateral for low-interest home equity loans. They use the cash to pay off vehicle, credit card or medical debt or to fund home improvements.

Our team has special expertise with investment property. Often, we can get you 100% Loan to Value on Investment Properties.

Divorce can be more than a personal disruption; it can also be a significant financial challenge. Many people in the process of divorce proceedings need to purchase a new home or refinance their existing home during this time of financial uncertainty.

We are specialist in addressing the mortgage needs that are associated with the division of property, assets and equity during and after a divorce.

There’s nothing more exciting – and sometimes, more stressful – than building your dream house! Construction loans are short-term interim loans, usually designed to provide periodic payments to the builders during construction. However, you can often turn construction loans into long-term mortgage financing. Let Our team find the financing that’s best for you.

When you are self-employed, or have income from several sources that are difficult to verify, you may want to consider a “light documentation,'' “no-income verification'' or “quick qualifier” loan.

These loans often carry a higher interest rate than standard, full-documentation loans, as well as stricter credit requirements. In some cases, they are the best option. Learn if they are the right option for you!

Are there problems listed on your credit report? You are not alone. Our team works hard to find the right mortgage loans for everyone – including those with past credit problems or bankruptcy, delinquent property tax payments, little or no money for a down payment or high levels of debt.

lf you have been turned down by another mortgage lender, give us a chance to help you.