When you decide to buy or refinance 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 homeowner's who have FHA or VA Home Loans, think or are finding out that they don't have enough equity in their homes to qualify for a normal refinance.  We offer the steamline programs allow you to streamline the refinance of your existing mortgage. These programs allow you to refinance your existing first mortgage to a lower rate, fix an adjustable rate loan. Most banks now require you to have a new appraisal, we still have investors that will allow us to do your FHA or VA Streamline without a new appraisal. 

If you are one of the 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 offer the 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 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.

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.  You may be eligible for the $8,000.00 First Time Buyers Income Tax Credit, or $6,500.00 if you qualify as a move up buyer.

Who is eligible to claim the $8,000 tax credit?
First-time home buyers purchasing any kind of home—new or resale—are eligible for the tax credit. To qualify for the tax credit, a home purchase must occur on or after January 1, 2009 and on or before April 30, 2010. For the purposes of the tax credit, the purchase date is the date when closing occurs and the title to the property transfers to the home owner. A limited exception exists for certain contract for deed purchases and installment sale purchases. However, the law also allows home sales occurring by June 30, 2010 to qualify, provided they are due to a binding sales contract in force on or before April 30, 2010.

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? We will find the right home loan program for you and let you make an offer with confidence.

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

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.

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.

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.  If you have been turned down from you local bank, we may still be able to arrange a new commercial loan for you.

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.

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.

If you currently own your home and think it may be time consider options to look at selling(even if you have NO Equity), we work with professional experienced real esate brokers that will give you the best advise and options.

Do you think you may need to do a Short Sale?
After completing a comparative market analysis of your property, to determine the potential sales price of your property, we may need to look at alternative options on the sale of your home, such as a Short Sale.  A Short Sale may be an option, if the potential net proceeds from the sale of your home (sale price, minus existing mortgages and liens, closing costs and other fees on the sale of your home) does not cover the amount owed, and the lender(s) is(are) willing to accept a payoff that is less than the actual payoff of the mortgage(s).   During the listing and sale  process, the lender(s) will review the short sale package (that we have assisted you to prepare for submission) to prove the hardship in order for the lender to approve the payoff at a lessor amount. 

Is your Mortgage payment past due or are you in Foreclosure?
If you are feeling the pressure of having to sell your home to avoid foreclosure we can help.  We can assist you in reviewing your options, call us for a free consultation.  We may be able to offer suggestions to postpone or delay the foreclosure process where you may be able to stay in your home longer.

You may be eligible for the "First Time Home Buyers Income Tax Credit" or the "Move-Up Buyers Tax Credit"!
First-time home buyers, you may qualify for an Income tax credit up to $8,000.00! 
Move-up (or down, as the case may be) homebuyers may qualify for up to $6,500.00! You must have your purchase and sale agreement dated by April 30, 2010 and closed by June 30, 2010.  Contact us  and we will be happy assist you to determine if you may qualify.

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