We have over 80 banks and brokerages that we work with and can write loans nationally.  This means that there is a good possibility that there is a loan with your name, and an approval, written all over it.

Get out of Debt.  Fast.

We have in-house Certified Financial Planners to help you determine if a refinance may fit into your "bigger picture".  They are required to act in your best interest, and your best interest only.

You may be able to improve your credit by consolidating debt:

The #1 thing you can do to improve your credit score is to pay your bills on time, every time.

The #2 thing you can do to improve your credit score is to pay down high-balance credit cards

Use your home equity to your advantage! If have equity in your home, why not put it to good use with a cash-out loan? Here are some of the benefits when you choose a cash-out loan.

Access your Home's Equity to Finance your Needs

Get money out of your home and use it for anything you want.

Make repairs or home improvements and increase the value of your home.

Pay for college tuition, pay off high-interest credit card debt, or buy a vacation home. You can even use it as an alternate source of income.

• Keep Your Payments from Going Up

Get Control of Your Monthly Payments
Many of our clients have used an adjustable-rate mortgage (ARM) to get lower monthly mortgage payments.
However, interest rates have been rising. If your ARM is reaching the end of its fixed period your mortgage payment could increase significantly.  This can be incredibly dangerous if you are not prepared.
Don't miss an opportunity to protect yourself, and lock into a new low fixed-rate and payment today.
Find a New Loan that Works for You
With low long-term interest rates, refinancing to a fixed-rate mortgage can be a smart financial move.
If you only plan on living in your home for a few more years, refinancing to an ARM may be a good option.
Our interest-only options can help if your monthly budget is tight.

• Lower Your Payment

What is the best way to lower a monthly mortgage payment? Our experts can answer this
question in regards to your specific financial needs. Call today and find out about loan refinance options that will
help you obtain a lower monthly mortgage payment.
We can review if a fixed rate, ARM, or interest-only product is best for you.  These options provide you with the most flexible options available.

• FHA Advantage

FHA Advantage is our version of the stable and popular FHA Loan, created by the Federal Housing Administration. FHA loans require a small down payment and offer the most choices for refinancing, especially with cash out.

• FHA loans don't have the same income and credit requirements as conventional loans. If you've been told your income or credit is too low for a conventional mortgage, take a look at FHA.
• You can refinance up to 97% of your home value; some of that can be cash back. Even if you're in a conventional mortgage now, you can still refinance to an FHA loan. Use that cash to pay off debt that doesn't offer a tax incentive.*
• Your down payment can be as low as 3% of the price of the home. Even better, the entire down payment can be a gift from a relative. Or, have up to 10% of your down payment funds contributed with Down Payment Assistance (DPA) through AmeriDream® and Nehemiah®.
• Seller concessions are still allowed, up to 6% of the selling price. Take advantage of the buyer's market and still get the benefits of FHA's low rates and secure monthly payments. You don't have to give up one for the other!
• Our mortgage application and processing uses exclusive technology that cuts the headaches out of getting an FHA loan. We offer online document signing and expedited approvals

• Fixed Mortgages

We offer 30, 15, and 10 year fixed loan that are the center of our conventional loan product line-up. They have been the most popular path to home ownership for years.   Enjoy the security of this fixed rate loan and never have to worry about a payment adjusting. 
This conforming loan has terms and conditions that follow the guidelines set forth by Fannie Mae and Freddie Mac.  These two stockholder-owned corporations purchase mortgage loans complying with the guidelines set forth by mortgage lending institutions.  By doing so, Fannie Mae and Freddie Mac, like Ginnie Mae, provide a continuous flow of affordable funds for home financing that result in the availability of mortgage credit for the majority of Americans.
Call today to speak with a mortgage professional and see how the 30 year gold can solidify your financial future