Buying a home or refinancing is a big decision that possibly could be the largest purchase of your life.
We have over 20 wholesale lenders that we deal with to find you the best product and rate for your situation.
Then we take special care and walk you through the entire process so there are never any surprises.
Loan Products & Programs
Home Purchases & Refinances
Home Purchases & Refinances
Conventional Fixed Rate Loans:
30-, 25-, 20-, 15- and 10-year terms are all available with fixed rates.
Buy a home with as little as 5% down (primary home).
Refinance up to 95% of your primary home's value.
Monthly payments remain the same for the entire loan term.
Adjustable Rate Loans:
5/1, and 7/1 and 10/1 ARM's. Monthly payments are b
Conventional Fixed Rate Loans:
30-, 25-, 20-, 15- and 10-year terms are all available with fixed rates.
Buy a home with as little as 5% down (primary home).
Refinance up to 95% of your primary home's value.
Monthly payments remain the same for the entire loan term.
Adjustable Rate Loans:
5/1, and 7/1 and 10/1 ARM's. Monthly payments are based on a 30-year repayment schedule.
The rate stays fixed for the first 5, or 7 and 10 years (depending on the chosen term), and then adjusts annually thereafter.
FHA Loans:
3.5% minimum down payment required on purchase.
Minimum credit score is usually 620.
Post-bankruptcy qualifying - 2 years after.
Post-foreclosure qualifying - 3 years after.
VA Loans:
Competitive interest rates are routinely lower than conventional rates.
Sellers can pay up to 6 percent of closing costs and concessions.
Higher allowable debt-to-income ratios than for many other loans.
Down payment as low as 0%.
About
Home Purchases & Refinances
About
I have been in the Banking industry for 34 years and in the mortgage industry for 20 years.
I started my mortgage Broker company to have more control to help clients get the best products and rates.
Unlike the big banks that have order takers helping you with your loan.
We take a different approach and spend more time reviewing each custom
I have been in the Banking industry for 34 years and in the mortgage industry for 20 years.
I started my mortgage Broker company to have more control to help clients get the best products and rates.
Unlike the big banks that have order takers helping you with your loan.
We take a different approach and spend more time reviewing each customer's needs to make sure the right product fits.
We take the approach that this is possibly the largest purchase/loan of your life and there is more to it than pushing a button and getting a loan.
I have been teaching a CE class to Realtors and loan officers for 15 years about how the mortgage industry works from A to Z so they can better teach their buyers.
I teach that same knowledge to all of my clients so they can fully understand.
Please feel free to reach out to me anytime for any questions.
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