Services

Our Services

We offer a variety of services that suit your specific needs. To learn more about these specific services or programs, just click on any of the links to the left for specific details.

 

Fixed-Rate Mortgages Loans that are amortized at a specific rate for a period of 10, 15, 20, 25 or 30 years without ever changing.	Rate-Term Refinance A refinance with no additional cash taken out of the equity of your home. Typically used to lower a payment or lower the length of your term.
Adjustable-Rate Mortgages (ARM) Loans that are amortized at a specific rate for a shorter period of time of 1, 2, 3, 5, 7 or 10 years and become adjustable after that term. Most ARMs have caps in which they cannot exceed. ARMs generally have lower rates than the average fixed rate, and are recommended for first-time homebuyers.	Cash-Out Refinance Refinance your home and trade the equity for a sum of cash that you need for whatever you need.
Home Improvement Loan A Cash-Out Refinance in which the cash is used to improve your home.	Debt-Consolidation Loan A Cash-Out Refinance in which the cash is used to pay off other debts.
PMI Removal Programs We offer programs that enable you to get rid of PMI payments once and for all. There are many options available for this situation, including an adjustment to your rate in which you can write the difference off on your taxes or waiving the appraisal on your property thus eliminating PMI.	Appraisal-Waiver Programs A program in which we do not require an appraisal. It has to be a Rate-Term Refinance (no cash out) and typically the minimum credit requirement is 700 or better. This is one way to eliminate PMI or save money on the appraisal fee.
Rate Reduction Programs Loans that reduce the rate and payment on the mortgage. Most programs have a streamline process depending on the entity the how the loan is secured.	Rural Home Loans We offer loans to those who have homes in rural areas with neighbors that are miles away.
100% Purchase Loans Currently VA and Rural housing offer 100% financing for the purchase of a home with NO MONEY DOWN. FHA also considers some forms of down payment assistance which can help purchase a home with little or no money down.	Land Contract Buyout We offer refinancing programs that enable you to become the owner of the house you currently rent, lease, or are a part of a contract to buy. This closes in generally half the time of a traditional purchase.
Investment Property Loans We offer investment property loans up to four units.	Federal Housing Authority / Veterans Affairs FHA insures mortgages in order to help borrowers with limited credit or down payment money purchase a home. VA insures mortgages for military veterans in order to help them purchase or refinance a home with less red tape.
HARP Program Both Fannie Mae and Freddie Mac have programs available that will allow homeowners that owe more than their property is worth to refinance.  Your loan must have been sold to Fannie Mae or Freddie Mac prior to June 1, 2009 to qualify.  Check out these links to see if your property is a Fannie Mae or Freddie Mac.  In most cases these loans do not require appraisals.	FHA Streamline Refinance FHA offers a streamline refinance, in most cases without an appraisal.  If you currently have an FHA loan, and it closed prior to June 1, 2010, you may qualify for a streamline refinance with .001% in Up-Front-Mortgage-Insurance and keep your monthly mortgage insurance at the same rate you have currently.  If you loan was closed post June 1, 2010, you may still be eligible for an FHA Streamline, only standard MI rates would apply.