Products and Services

 

FIRST MORTGAGES

 

  • 30 year fixed rate mortgages
  • ARM loans with fixed periods of 6ms, 2 yrs., 3 yrs., 5 yrs., 7yrs., and 10 yrs.
  • 15 & 20 year fixed rate mortgages
  • Combination...... 80% 1st trust deed and 20% 2nd trust deed to achieve no money down purchase structures or to pay off debt and with NO private mortgage insurance.
  • ARM loans starting as low as 1.25%
  • 100% VA loan to value - purchase and rate & term - no mortgage insurance
  • Cash out refinancing to 80% of a properties appraised value
  • Mortgage reduction program - you build home equity up to three times faster. Interest rates based on credit and loan to value.
  • Streamline refinance - you may qualify for a "streamline refinance" which have no fees, no points and NO INCREASE in your loan amount.

 

SECOND MORTGAGES

 

  • Purchase CLTV - up to 97% combined  loan to value. Reduces your monthly payments by avoiding Mortgage Insurance on a conventional loan example 80/10/10

BENEFITS OF USING OUR SERVICES...

 

  • Ability to Shop At Home: You can inquire or submit an application for a loan in the privacy of your home or office, via phone, or face to face in your agent's office.
  • Convenience: We provide you the advantage of our expertise in finding the program that will best suit your needs, saving you countless hours going from one bank or lender to another.
  • Free Analysis: We offer a variety of powerful financial analysis reports for FREE including; Pre-Qualification to Income Analysis, Qualify Borrower to Property Analysis, Rent vs. Own Analysis, Refinance Breakeven Analysis, and the Mortgage Prepayment Analysis.
  • Loan Amortization Schedule: We will create an amortization schedule for your mortgage, Free.
  • No Up Front Fees You pay nothing for this service. There are no fees unless we are able to fund the loan of your choice.