OUR SERVICES

 
CONVENTIONAL LOANS

A conventional loan is any type of homebuyer's loan that is not offered or secured by a government entity, such as FHA loans, VA loans and USDA loans but rather available through or guaranteed by a private lender like banks, credit unions, mortgage companies etc. 

 

Conventional mortgage can save cash. Home mortgage borrowers with good credit and the funds for a larger down payment may be better served by a conventional loan

ADJUSTABLE - RATE MORTGAGE

An adjustable-rate mortgage (ARM) is a type of mortgage in which the interest rate applied on the outstanding balance varies throughout the life of the loan. Normally, the initial interest rate is fixed for a period of time, after which it resets periodically, often every year or even monthly. The interest rate resets based on a benchmark or index plus an additional spread, called an ARM margin.

Refinancing is the process of replacing an existing loan with a new loan. The new loan pays off the current debt, so that debt is not eliminated when you refinance. However, the new loan should have better terms or features that improve your finances.

REFINANCE

Refinancing is the process of replacing an existing loan with a new loan. The new loan pays off the current debt, so that debt is not eliminated when you refinance. However, the new loan should have better terms or features that improve your finances.

GOVERNMENT

BACKED SECURITIES

FHA LOANS

An FHA loan is a mortgage issued by federally qualified lenders and insured by the Federal Housing Administration (FHA). FHA loans are designed for low-to-moderate income borrowers who are unable to make a large down payment.

As of 2018, these loans allow the borrower to borrow up to 96.5% of the value of the home (with a credit score of at least 580; otherwise, a 10% down payment is required). The 3.5% down payment requirement can come from a gift or a grant, which makes FHA loans popular with first-time homebuyers.

Streamline refinancing was introduced as a way to speed up the home refinancing process by reusing the original loan's paperwork, the process to refinance a home was reduced from a few months to only a few weeks. in addition, no new appraisal is necessary. 

FHA STREAMLINE

 
JUMBO
LOANS

Designed to finance luxury properties and homes in highly competitive local real estate markets, jumbo mortgages come with unique underwriting requirements and tax implications.

The jumbo loan is a loan that is over the conforming loan limit set by the government-sponsored mortgage agencies, Freddie Mac (FHLMC) and Fannie Mae (FNMA).

 

We can service loans of amounts up to $2,000,000

JUMBO ELITE

The Jumbo Elite offers loan amounts up to $2 million that can be closed in an impressive 25 days or less with exclusive rate incentives for borrowers with 700+ FICO scores.

INTEREST ONLY
LOANS

Save hundreds with low, flexible payment.An interest-only mortgage is a type of mortgage in which the mortgagor is required to pay only interest with the principal repaid in a lump sum at a specified date. Interest-only mortgages reduce the required monthly payment for a mortgage borrower by excluding the principal portion from a payment. Homebuyers have the advantage of increased cash flow and greater support for managing monthly expenses. For first-time home buyers an interest-only mortgage also allows them to defer large payments into future years when they expect their income to be higher.

FLEX TERM

The flex term fixed-rate mortgage offers repayment terms ranging from 8 to 29 years. Much like the 15 year mortgage, it enables you to own your home in less time than a 30 year fixed-rate mortgage. Because of the shorter repayment period, the payments are higher depending on the length of the loan. The flex term offers you the ability to tailor your payments according to your income and comfort level.

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