Planning to buy a property?  Unless you're paying all cash - you'll need to get pre-approved.  Being pre-approved makes for a stronger offer in a competitive market.  

We provide:

• Pre-approvals, competitive rates and programs, conventional loan and jumbo loans.
• Owner and Non-Owner programs to fit most needs.

Refinancing can help you to

• Lower your monthly payments
• Get rid of PMI (private mortgage insurance)
• Move from an adjustable rate to a fixed rate mortgage
• Avoid a balloon payment
• Provide needed cash-out

10 to 30 year terms available for fixed rate programs.
Call for information on adjustable rate  programs. 

A Reverse Mortgage enables you to access the equity in your home to pay off your existing mortgage (if you have one) and/or use the remaining proceeds however you like.  

With a Reverse Mortgage...

• You'll remain in your home.
• No monthly mortgage payment is required.   You will, however, have to continue to pay your property taxes, homeowners insurance, HOA dues (if any) and home maintenance costs.
• Depending on the program you choose, you can receive your money in a lump sum or as monthly payments or as a line of credit or any combination of the three.
• You can sell the home and/or pay off the loan with no prepayment penalty.
• Most programs are non-recourse loans, which can protect you against declining home values should your sell for less than what is owed.  In short,  You will never owe more than the value of your home.

There are a variety of reasons why people get this type of loan and many options and programs to choose from.

For more information Call Today.

Paperless transactions make smoother transactions.

• Most documents needed are now commonly available (from many institutions) in PDF format.  
• Electronic signatures on initial paperwork are more widely accepted.  
• Final sign-off can be conveniently scheduled (even over the weekend) at your home or office by a mobile notary, 

Be certain you’re approved

• All applications are submitted electronically to FannieMae and/or FreddieMac.
• These submissions take only minutes, not days, to get a decision back.
• When making an offer to purchase: an automated underwriting approval can provide ample documentation and certainty - that you qualify - to those who need to know . 

Your Satisfaction is Guaranteed. 

• Rates are fluid: they can rise or fall unexpectedly and catch one unprepared. 
• We make it our business to know and follow, as much as anyone can, the factors that move rates.
• We know our business, know the ins and outs of it and know when to lock or when to float. 
• And though no one can guarantee that rates will always cooperate, we can guarantee that you'll be more than satisfied with the level of attention and service we give to your needs.