Our #1 goal is to establish a trusting relationship with our clients while providing excellent customer service. We focus on pilots and veterans doing a large volume of loans, although we offer a variety of other loan products to ensure that each of our borrower's unique situation is assisted with the best option possible. Given your unique credit and employment history, income, debt, and goals, how much will a lender loan you?
You can easily get a rough idea using our calculator. We will also help you through different scenarios by asking a few simple questions. Based on standard lender guidelines, we give you a good idea of what kind of terms and loan programs you can expect to benefit most from. Provide us with information about your employment, assets, residence history, etc.
We will take this along with your credit score and give you a Pre-Qualification Letter. Your real estate agent will use your Pre-Qualification Letter to make the best offer and the seller will know you are pre-qualified.
You can easily get a rough idea using our calculator. We will also help you through different scenarios by asking a few simple questions. Based on standard lender guidelines, we give you a good idea of what kind of terms and loan programs you can expect to benefit most from. Provide us with information about your employment, assets, residence history, etc.
We will take this along with your credit score and give you a Pre-Qualification Letter. Your real estate agent will use your Pre-Qualification Letter to make the best offer and the seller will know you are pre-qualified.
Services
Because they typically feature good rates and lower costs, they are flexible and affordable for most people.
Also known as conforming loans, conventional loans follow the standards established by Fannie Mae and Freddie Mac.
Conventional loans may be used to purchase a primary residence, a secondary or vacation home, or rental properties.
Conventional loans are available with either fixed or adjustable rates with typical terms ranging from 10 to 30 years.
When monthly mortgage insurance is required, the cost is usually less expensive than monthly mortgage insurance for FHA loans.
Also known as conforming loans, conventional loans follow the standards established by Fannie Mae and Freddie Mac.
Conventional loans may be used to purchase a primary residence, a secondary or vacation home, or rental properties.
Conventional loans are available with either fixed or adjustable rates with typical terms ranging from 10 to 30 years.
When monthly mortgage insurance is required, the cost is usually less expensive than monthly mortgage insurance for FHA loans.
Counseling and assistance available to veteran borrowers experiencing financial difficulty or facing default on their loan.
VA loans are provided by regular lenders to eligible veterans for the purchase of a home, but are guaranteed by the U.S. Department of Veteran Affairs.
The guaranty means the lender is protected against loss if the borrower fails to repay the loan.
In addition to not requiring a down payment in most cases, a VA guaranteed loan usually receives a lower interest rate than other types of loans.
VA loans are provided by regular lenders to eligible veterans for the purchase of a home, but are guaranteed by the U.S. Department of Veteran Affairs.
The guaranty means the lender is protected against loss if the borrower fails to repay the loan.
In addition to not requiring a down payment in most cases, a VA guaranteed loan usually receives a lower interest rate than other types of loans.
Conventional refinancing is a good option for homeowners with a minimum of 20% equity and good credit history.
Backed by Fannie Mae or Freddie Mac, a conventional refinance often allows those with an FHA loan to eliminate the Mortgage Insurance Premium.
In a Cash-Out Refinance, the homeowner increases their loan balance by a minimum of five percent.
The additional amount borrowed is typically paid as cash at closing to the borrower.
Occasionally, a Cash-Out Refinance Loan is used to consolidate debt for the borrower.
Backed by Fannie Mae or Freddie Mac, a conventional refinance often allows those with an FHA loan to eliminate the Mortgage Insurance Premium.
In a Cash-Out Refinance, the homeowner increases their loan balance by a minimum of five percent.
The additional amount borrowed is typically paid as cash at closing to the borrower.
Occasionally, a Cash-Out Refinance Loan is used to consolidate debt for the borrower.
The VA Refinance program waives the need for documentation required for conventional refinance loans.
By eliminating the need to verify income, employment, credit score and other financial information, the application process is kept simple and straightforward.
Also called a VA-to-VA Loan, the VA Refinance program is provided by standard lenders but guaranteed by the VA.
Borrower either must currently occupy or have previously occupied the property as a primary residence.
By eliminating the need to verify income, employment, credit score and other financial information, the application process is kept simple and straightforward.
Also called a VA-to-VA Loan, the VA Refinance program is provided by standard lenders but guaranteed by the VA.
Borrower either must currently occupy or have previously occupied the property as a primary residence.
If you have an existing FHA Loan, call us and see how refinancing can lower your monthly payments and get you the cash you need now.
By refinancing your existing loan, the total finance charges may be higher over the life of the loan.
Homeowners with existing FHA mortgages who wish to refinance their mortgage may benefit from the FHA Streamline Refinance Program.
The program is a simple and easy refinance option for homeowners that eliminates the need to verify income and assets.
Many FHA loan holders have taken advantage of this program as it limits the borrower's loan-to-value ratio.
By refinancing your existing loan, the total finance charges may be higher over the life of the loan.
Homeowners with existing FHA mortgages who wish to refinance their mortgage may benefit from the FHA Streamline Refinance Program.
The program is a simple and easy refinance option for homeowners that eliminates the need to verify income and assets.
Many FHA loan holders have taken advantage of this program as it limits the borrower's loan-to-value ratio.
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