MAKE THE MOST OF YOUR MORTGAGE

Looking to purchase a home but worried about rising interest rates? A 30 Year Fixed Mortgage offers peace of mind, with a locked in interest rate for the life of the loan. You'll know exactly how much your monthly payment will be, making budgeting a breeze. This fully amortizing program also means that you'll pay off the entire loan balance over the course of 30 years - giving you financial freedom and peace of mind. Contact us today to learn more about 30 Year Fixed Mortgages.

A 15 Year Fixed Mortgage is a great option for those looking to finance their home over a shorter period of time. This fully amortizing program has a fixed interest rate, meaning your monthly payments will stay the same throughout the life of the loan. You'll pay both principal and interest each month, and at the end of 15 years the loan will be paid in full. This option is a great choice for those who are looking to build equity quickly or pay off their mortgage sooner. Contact us today to learn more about our 15 Year Fixed Mortgage program!

Special programs may be available to you if you are a first time home buyer. This is currently defined as, “not holding interest in primary real estate property for the most previous three year period.” These programs may offer decreased down payment eligibility and special grants, and include government programs as well. They are beneficial by allowing you to keep money in the bank, increasing your borrowing power and giving more flexibility in underwriting guidelines.

The VA Loan is a mortgage loan guaranteed by the U.S. Department of Veterans Affairs (VA), making it a great choice for eligible veterans, service members and surviving spouses. This program offers fixed and adjustable rate loans with 100% financing options, making it easier to buy a home or refinance your existing mortgage. With flexible credit guidelines and no down payment required, the VA Loan program can make homeownership more attainable for those who have served our country.

If you're looking for a loan that is insured by the FHA, or Federal Housing Administration, then an FHA loan could be the right option for you. Generally, most people can qualify for an FHA loan, as long as they have a social security number and a valid state driver's license.

These loans offer many benefits, such as lower down payments, higher debt-to-income ratios, and more flexible credit package underwriting guidelines. Fixed and/or adjustable rate mortgages are also available, which tend to remain competitive with the conventional market. However, there are some limitations to FHA loans, such as maximum loan size and occupancy restrictions. But if you're looking for a primary residence that meets these requirements.

Do you want to have extra cash flow in retirement? A reverse mortgage may be a great option for you! With a reverse mortgage, you don't have to make any principal or interest payments - only taxes, insurance, and HOA dues. This makes it an ideal solution for retired borrowers who want to refinance their existing mortgage or purchase a new home. So if you're 55 or older, call us today for a free analysis of whether a reverse mortgage is right for you.

An adjustable rate mortgage, or ARM, is a mortgage loan in which the interest rate is scheduled to increase or decrease throughout the life of the loan. The rate is tied to a particular index and, upon terms specified in the note, the rate will change with the value of that index.

With an adjustable rate mortgage, you have the flexibility to choose how long you want to keep your initial interest rate before it adjusts. And, if at any time you need to sell or refinance your home, you can do so without penalty.

An ARM may be right for you if:

• You plan on owning your home for a shorter period of time.
• You expect your income to increase over time.

When applying for a mortgage, wouldn't it be great if there was an alternative to using your tax forms to verify your income? Well, there is! With a bank statement mortgage program, you can use your documented bank deposits to show your income.

This program is perfect for self-employed borrowers or anyone who doesn't have traditional income documentation. So if you've been turned down for a mortgage in the past because of your income situation, a bank statement program could be just what you need to get approved.

Here's how it works: lenders will review your bank statements for a certain period of time (usually 12 months) and use those deposits to calculate your average monthly income. 

If you're an investor looking for a flexible and innovative way to finance your property portfolio, look no further than our Investor Cash Flow Loan. With this loan product, you can use the cash flow from your property to qualify for a mortgage, without the need for tax returns or employment information.

This makes it the perfect solution for those who are self-employed or have irregular income, as well as those who are looking to build a portfolio of income-generating properties. So if you're looking for a loan that gives you the freedom and flexibility to invest in the properties you want, make sure to ask us about our Investor Cash Flow Loan today.