In today's market volatility, it is important to make sure you are speaking with a mortgage professional that can answer your questions correctly and steer you in the right direction.  We pride ourselves on the knowledge that we have to offer our clients and our success rate proves it.  

Most of the loans we offer are paperless and in some cases, no appraisal is necessary.  What does this mean to you?  Faster approval times without the hassle of having to sign a mountain of paperwork.  Allow us to assist you by choosing an option below. 

ARM to FIXED RATE LOANS MAILER

Now is the time to take advantage of the low interest rates being offered on fixed rate mortgages.  We offer the lowest rates in the industry along with unmatched service.  Good credit or less than perfect credit is okay. Whether your looking to refinance to a 30 year fixed mortgage or to purchase your next home, this is the place to get started.  

FIRST TIME HOME BUYER

If you are a first time home buyer and think that you can't qualify, either by what you have been told or assumed, think again.  Now more than ever, it is easier and affordable to get in to your first home.  You don't even have to have perfect credit.  We have many loan programs for first time home buyers, with amazingly low fixed rates to keep you within your monthly budget.  In most cases, you will pay far less on a mortgage payment than you would if you were renting.  In addition, you may be eligible for no out of pocket closing costs, including minimal or zero down payment.  Request your free no-obligation consultation now.

HOME PURCHASE

We're here to help you find the right loan for your home purchase.  With a simple credit pre-approval, you can get pre-qualified for a mortgage amount that fits your budget.  In today's market, buyers are lining up to make offers on a home.  With a written "pre-approval", sellers and agents know your serious and will take your offer over others who are not pre-approved.

30/40/50 YEAR FIXED RATE MORTGAGES

Rates are still amazingly low.  If you are in a mortgage loan that is not fixed for 30, 40 or 50 years, now is the time to change that.  We offer competitive rates, low fees and in most cases no out of pocket closing costs or expenses**.   Don't wait until your mortgage rate adjusts higher, refinance now to a low fixed rate mortgage today.  Our easy approval process requires minimal paperwork and in some cases, no appraisal is necessary.

RESIDENTIAL CONSTRUCTION LOANS 

If you are in the market to build a new home, you have come to the right place.  We have several loan construction options to choose from like traditional construction loans with very competitive interest rates.  We also have the popular "one-time close" loans. If your not sure what loan type is best for you, request more information by clicking on the link to the left.

INVESTMENT/COMMERCIAL LOANS

A great way to supplement your income.  Investment properties/rental properties are a fast growing industry for many Americans.  If you live in an area where home prices are down, this might be a great opportunity to purchase investment properties.

2ND HOMES & CABINS

Have you ever wished you had a "get-a-way" home but didn't think you could afford one?  There are many ways to obtain an affordable 2nd home/cabin and still stay within your budget.  

Whatever the reason, we are here to assist you in making all the right choices.  Our friendly and knowledgable staff will be able to answer your questions and steer you in the right direction.

* Subject to underwriting & qualification guidelines

** Subject to equity to cover standard closing costs, within underwriting guidelines.

Licensed in the following States:

AL, AK, AZ, CA, CO, FL, GA, HI, ID, IL, IN, KY, MI, MO, MT, NC, NE, NV, NM, OH, OK, OR, SC, TN, TX, UT, VA, WA, WY