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Learn More About Products Available to You

Every story of home buying is unique, so we offer a variety of loans to meet our clients’ needs. We specialize in Conventional, FHA, Fixed Rate and Adjustable Rate Mortgages, VA, HARP 2.0, Jumbo, and Reverse Mortgages.

Top Ten Niche Programs

Your home is your largest and most valuable asset. Use it to turn your home equity into cash. Consolidate high interest monthly payments and save hundreds every month! · Rental income allowed - no equity and no landlord experience required · Will consider any credit profile - short sale, bankruptcy, and foreclosure · One year income average allowed · Jumbo loans - 10% down · Qualify using cash assets only - no other income documentation required · W2 borrowers - employee expenses not deducted · Up to 10 financed properties allowed · Reverse mortgages available · No overlays - Direct seller service to Fannie Mae, Freddie Mac & Ginnie Mae · Conventional & FHA loans All programs available to qualified home buyers only. GET PRE-APPROVE TODAY!

HARP 2.0

The product is designed to asset borrowers who have demonstrated an accepted payment history on their existing Fannie Mae or Freddie Mac mortgage loan but may not have been able to refinance to obtain a lower payment or move to a more stable product due to no having equity in their home. · No equity or appraisal required · No loan to value restrictions · Mortgage must have been acquired by Fannie Mae or Freddie Mac on or before May 11, 2009 · Must be current on your mortgage

FHA Loans

This government-endorsed loan program is designed for borrowers who have limited funds for down payment and closing costs, require more flexibility in calculating household income and payment ratios, and have limited cash reserves. · Purchase and rate/term refinancing · Owner-occupied primary residence · Down payments may be gifted 3.5% down

Conforming Loans

This program is for borrower who have a 20% down payment, would like to avoid payment mortgage insurance premiums, are looking to purchase or refinance a primary home, second home or investment property, and would like a 30-year term or no conventional I/O. · Purchase and rate/term refinancing · No up-front mortgage insurance premium required · Owner-occupied, second homes and investment properties

VA Loans

The VA home loan is designed to help make the dream of home ownership become a reality for millions of veterans and their families by providing housing and assistance opportunities. · No down payment required · Adjustable & fixed rate mortgage options · No monthly mortgage insurance premiums · Right to prepay loan without penalty