When you decide to buy or refinance a your home or investment properties mortgage, it's a big step. Let our experts educate you so you know the loan options available for your home loan.  We offer all the loan programs, Conforming, FHA, VA, Jumbo, Reverse Mortgages, Commercial and Construction.  You can trust us to find the loan program that's best for you.

Many home owners are now feeling the financial stress and discovering that the adjustable rate loan they now have will be or already has been notified that their interest rate will be raised making the once manageable home mortgage payment now difficult to manage. 

We now offer the 100% cash out refinance for Veterans.  If you are are VET and need to refinance and pull some or all of the equity out of your home for debts, remodel, or just to lower the rate on an existing loan we have this new program for you. 

We offer the F.H.A. Secure Loan for Home Owners that have adjustable rate loans that need to be refinanced, even with late payments, This program may still allow you to refinance even over 100% of the value of your home.

We have many programs to assist you:

Refinancing (Rate/Term or Cash-out)
We have a wide variety of products to meet your refinancing needs. Whether you are looking to reduce your monthly payment, fix an adjustable rate loan to reduce the interest that you pay monthly, or use the equity that you have built-up in your home, we have the program for your situation.

Refinance your “Adjustable Rate loan”:
Many home owners are now feeling the financial stress and discovering that the adjustable rate loan they now have will be or already has been notified that their interest rate will be raised making the once manageable home mortgage payment now difficult to manage. Also, many of these loans don’t include “impounds” or reserves for taxes and or insurance which are causing home owners to be delinquent having a hard time to catch up. We have the programs that can fix your mortgage payment, or combine your mortgages into one manageable loan. If you need funds to pay bills or your taxes we have program to assist you

Government Loans (FHA / VA):
We offer FHA loans.  Whether you are looking to buy or refinance an existing mortgage, the FHA program may be for you.  FHA is more forgiving of past credit issues.  FHA requires a 3.5% down payment, the seller can pay up to 6% towards your closing costs.  If you need cash out, we can approve loans up to 95% with cash out for any reason. 

We offer the F.H.A. Secure Loans-This program may allow you to refinance with mortgage lates, after your loan adjusts. These loans, backed by the US government, are a great way to get into a home with little to no money down or refinance your existing mortgage. FHA is now offering a "Reset" program for Home Owner that need to refinance their "Adjustable rate loans". FHA offers programs for borrowers with past credit issues to get a low rate loan. FHA allows a borrower to buy a home with a past bankruptcy, even to pay off a Bankruptcy Chapter 13. They are also a great way to finance unique or distressed properties.

Reverse Mortgages:
If you or a loved one is as senior homeowner that is age 62 or older, you can convert the equity in their home to income streams and/or a line of credit that will only have to be repaid when the no longer occupy the home.  Reverse Mortgages allow the senior home owner to use their home equity to pay for what you want or need—without giving up your home. To qualify you don't need to any income or good credit.

All Credit Types (Credit Problem Programs)
There are still programs for borrowers with past credit issues. We can discuss your past issues and advise a program that may assist you to purchase your home. We have several loan programs that can offer you fixed 30 year rate loans with No Down or loan Low Money Down payments for people limited credit, or with recent bankruptcy, interest only programs available to keep your payments low and cash-out loans to use the equity you have accumulated. We will help get you back on your feet, or into the home of your dreams.

Commercial & Apartment Loans:
We can finance your Commercial Real Estate, whether it is income producing or owner occupied, purchase or cash out. Our programs will finance both the traditional banking programs and for the properties that need a lender understands when you can't provide income or asset documentation, may have credit issues.

Hard-Money Loans:
Hard-money loans are mortgage loans that are available for borrowers who do not qualify for a conventional mortgage or commercial loan. These borrowers usually have bad credit, insufficient income, or other factors that don't fit the lending requirements for most lending institutions. The property condition or use may play an issue. A hard-money loan may also an alternative for borrowers who are behind on their mortgage payments or in danger of foreclosure. Funds can also be used for rehab or construction.

Construction:
We have numerous construction loan programs to help you build your project.. We have programs for owner builder, lots loans, construction to permanent, spec homes and more. If you are a developer we have programs to assist you. If you have a project that you run out of funding we may be able to help you.

First Time Home Buyers:
We understand the excitement and pressure that can be a part of your first home purchase. That is why we have trained professionals to help you get the information and the financing you need. There are several benefits to this being your first home purchase. Give us a call and we will give you a free consultation on purchasing and financing your first home purchase.

Just Shopping? (Pre-Approval Programs)
Interested in finding out how much home you can afford? Have a home picked out, but need a pre-approval to make an offer? With over 1000 loan programs, we will find one that is right for you and let you make an offer with confidence.

Home Equity Lines of Credit (HELOC)
Many consumers realize the equity in their home can be a fantastic resource. Whether you are looking to do home improvements, consolidate debt, make a major purchase or looking for investment capital, we have the Home Equity product to fulfill your needs. With low and no cost loans available, and loan amounts up to 125% of the value of your home, we make it easy to use the money you have accumulated. 

Please navigate our website to learn more about us, what we do for you, and how easy it is to get started.