Rates are so low, we have actually refinanced clients into a shorter term loan, and still LOWERED their monthly mortgage payment! If you could go from a 30 year term to a 15 year term and lower your monthly mortgage payment, why haven't you called? If your current interest rate is over 6.00%, you really need to!
Many people mistakenly think they can't refinance because they owe more on their home than it is worth. There are several programs available that don't even require an appraisal! Give us a call, and with a little basic information we can see if you qualify for one of these programs! It's about time we have programs that benefit the CONSUMER!
We utilize the major lending institutions and negotiate the best rate & program to suit your needs! If your current mortgage company is offering you a refinance, make sure they are offering you the lowest interest rate available! More often than not, people refinance with their current mortgage holder as they think it will be easier, however, they are not being offered the lowest wholesale interest rates!
Today's technology is providing a more productive environment to work in. For example, through this Web Site you can submit a complete online secure loan application, pre-qualify for a home loan or you can request an update on your loan in process and much more!
These tools have allowed us to provide a higher level of service to our clients who utilize the internet in their daily lives. By applying online, your application is received immediately! We will be notified by email and be prompted to return to our secure server to retrieve your application. This enables us to start processing your loan today! 102% financing on Purchases in qualified areas, just call us with an address, and we can tell you right away if it qualifies! Jumbo loans, VA Loans, FHA Loans, Conventional Loans, (yes, we offer The Fannie Mae and Freddie Mac Home Affordable Refinance), and Streamline Refinances, which sometimes can be achieved with no appraisal or proof of income. These loans are based soley on your mortgage payment history!
We can do loans one day out of bankruptcy, or loans on homes in forclosure. What sets us apart from other lenders is that WE CARE about what the loan we give you will do for your financial health, and we want to improve that on a long term basis! We go over credit reports with our clients, and assist with any needed credit repair. We want your credit score to be the highest possible, so that we can qualify you for the best possible rate and program!
