Our Services
finding the right loan option
Fixed-Rate Mortgage
Interest Rate and monthly payments remain the same for the entire term of the loan. Protection against rising interest rates.
Adjustable-Rate Mortgage
Homeowner could potentially lower their monthly payments with the lowered interest rates. Initial interest rate is fixed typically for 3-10 years.
Conventional Mortgage
Lower interest rates. Fewer penalties and fees. Second home purchase options. Fixed or Adjustable.
Jumbo Mortgage
Used to Purchase a more expensive property. Variety of terms available. Purchases for a property above the conforming loan limits ($647,200 in most areas).
FHA
Are a first-time homebuyer or have a limited amount of funds for a down payment. Low down payment options. Flexible income and credit requirements.
USDA
Purchase a home in USDA designated rural areas. No down payment. Low credit score requirements. Flexible credit underwriting requirements.
VA
Are active-duty military, a veteran or military spouse. Low to no down payment. Low income and credit requirements. No mortgage insurance.
Refinance
Already own a home and want to restructure your mortgage fit your current financial situation. May be able to refinance to a lower interest rate. Consolidate debt. Access potential equity.
Renovation
Own or want to purchase a home that needs repairs or renovations. Rolls the cost of upgrades and a home purchase or refinance into one loan.
Reverse
Are 62 or better and want to turn your home equity into cash without having to make monthly mortgage payments. (must continue to pay taxes and insurance and maintain the home)
MORE faqs
Frequently Asked Question from Clients
Our team is available to help clear up any confusion on your real estate loan. Please feel free to reach out anytime, we pride ourselves on our responsiveness.
Closing costs are those costs that include the loan origination fee, discount points, appraisal costs, and any other charges associated with the legal transfer of property. Typically, these costs will range between 2% and 3% of the mortgage amount.
A pre-qualification shows you what you can afford and a pre-approval is confirming with bank statements, pay stubs and credit reports what you have provided verbally for the sake of achieving a full loan approval.
It means that a commitment has been made between my company and the investor on your behalf regarding the interest rate in your mortgage loan. Your loan officer watches the market on a daily basis to make sure that when we lock your interest rate, it is in the best interest for you and your loan.
