Learn a little more about the products we offer:

FHA LOANS (PURCHASE OR REFINANCE): The Federal Housing Administration, a government agency, allows buyers who might not otherwise qualify for a home loan to obtain one because the risk is removed from the lender and taken on by FHA.

VA LOANS (PURCHASE OR REFINANCE): The Veterans Affairs allows buyers who might not otherwise qualify for a home loan to obtain one because the risk is removed from the lender and taken on by VA. Up to 100% financing is available for veterans who qualify for a VA loan.

STREAMLINE LOANS: The Federal Housing Administration and Veterans Affairs both allow you to refinance your home to a lower rate and payment without an appraisal, no income verification and no credit check in most cases. A quick call can give you an idea of how much your payment would go down.

NO MONEY DOWN PURCHASES: Even with a few credit dings many individuals can qualify for a new home with no money down.  However, there still may be a few out of pocket expenses such as homeowners insurance, appraisal and inspections.

BILL CONSOLIDATION LOANS: Use the equity of your home to combine your debts; credit cards, cars, medical bills, student loans, or simply get cash in hand.

203K:  A unique home improvement loan that disperses funds as the projects complete and considers the value at the time of completion.

HOME EQUITY LINES OF CREDIT: Works like a credit card against your home. Draw from the credit line for any reason at any time.

REFINANCE FOR A LOWER RATE: As equity builds in your home and/or credit gets stronger, individuals will typically qualify for a lower interest rate with one or both of these factors.

INVESTMENT / RENTAL PROPERTIES: A property where the owner does not occupy the unit(s).  These properties can be refinanced as well as purchased with little or no money down.

FIXED RATES: These loans have a fixed rate and payment over the life of the loan.  You are protected whenever the market rates increase; however, these rates are generally a little higher than the adjustable rates.

ADJUSTABLE RATE MORTGAGE (ARM): Loans with and adjustable rate will be fixed for a short period of time and then after this specified period they will begin to change. These are great "band-aid" loans that allow a temporary fix to have time for fixing credit, doing improvements to increase value etc. Adjustable rates are almost always lower than fixed rates.

BANKRUPTCIES OK: Keeping up on credit is important through the bankruptcy process; however,even with a bankruptcy a home can be purchased or refinanced with little or no money down. The better you handle your credit through the bankruptcy process the more flexible the programs you will qualify for.  The general rule is 2 years beyond the discharge period however, there is a possibility of exception and the time can also vary based on other factors.

HOME IMPROVEMENT LOANS: These loans can be in the form of a first mortgage or a second mortgage and allow for getting cash in hand to do any kind of improvements on a home.

LAND CONTRACTS: Many individuals will opt to purchase a home on contract rather than outright through the lending process. This is a good way for someone who cannot qualify for financing to get into a house.  The contract can be refinanced into a mortgage after a little time in the home, generally requires a minimum of 12 months depending on credit and the amount of equity gained.  It is crucial to make these contract payments by a bank check in order to get the best financing possible.

SLOW CREDIT OR NO CREDIT: It is still possible to qualify for a new home or a refinance even with a few late payments or having no credit at all.  We can also help give you the advice you need to get back on track or establish your credit.

FORECLOSURES: Losing a home can be devastating but it is possible to qualify for a new home even with a prior foreclosure. The general rule is 3 years beyond the bank's release; however, there is a possibility of exception and the time can also vary based on other factors.

SELF EMPLOYED / NO INCOME VERIFICATION: If self employed these loans offer flexibility on what is verified for the household income. Heavy credit and loan to value restrictions.

INTEREST ONLY LOANS: This is a loan where your payments are solely based on interest alone.  Your principal balance will never change with this loan for as long as you are only paying the interest.  Your payments are a little lower than a typical mortgage payment.

COMMERCIAL LOANS: Loans for a property that is used for business purposes.