Refinancing

Looking to improve your cash flow or consolidate your debt?  Our loan officers take the time to find the right loan solution for you.

 

Reverse Mortgage

​Available for homeowners over 62 years old. Offers a way to take out equity on your home and NOT have to pay a monthy payment. The loan is repaid after the home is sold. Helps to increase the quality of life in the senior years.


Jumbo Loans

Offers 30 and 15 year fixed rate mortgage and competitive ARM products.

USDA Loans

A USDA Guaranteed Loan is Government insured 100% purchase loan. These Loans are only offered in rural area's.



We pride ourselves on exceeding our customer's expectations in finding the most competitive rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to  form a loan that is exclusively for you.

VA Mortgage

Backed by the Veterans Administration and the federal government, it is similar to FHA except that you have to be a qualified Veteran or military person.

 

FHA Mortgage

Backed by the Department of Housing and Urban Development, this mortgage offers the borrower the ability to put as little as 3.5% down payment – and they can even finance “allowable” closing costs. Seller can contribute up to 6% of the purchase price to the buyer towards closing costs.


Conventional

​Traditional loan programs that usually require 5% down and offer competitive interest rates. Documentation and fair-to-good credit are necessary.


Investor Loans


Used to finance 1-4 family properties that will be for investment with as little as a 20% down payment. Aggressively priced, these programs have many variations, including: Limited Doc, and Full Doc. Program may not be available in some states.


High Debt Ratio Loans

A ratio of monthly bills to monthly income higher than 50% is considered a high debt ratio. Loan programs are available for borrowers in this situation, allowing them to finance the purchase of a home or property.

Specialties

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