In today's ever-changing markets, it is vital to stay informed about the latest loan products and rates available, both for our in-house products and for our many portfolio banks and investors with whom we do business. Rather than put the burden of daily research on our loan officers and loan counselors, we have product specialists and underwriters who study the market daily, providing the most current products available.
We then customize your loan, based on your mortgage needs and financial situation. As a result, we are able to provide you with personalized options to help you make an informed decision about your mortgage. We want you to KNOW YOUR OPTIONS! This unique process sets us apart from other companies and ultimately benefits you, the client. It is our goal to keep communication lines open with all parties during the mortgage process.
With in-house marketing reps and account managers, we make every attempt to keep Realtors and home builders apprised of loan status for our clients.
We then customize your loan, based on your mortgage needs and financial situation. As a result, we are able to provide you with personalized options to help you make an informed decision about your mortgage. We want you to KNOW YOUR OPTIONS! This unique process sets us apart from other companies and ultimately benefits you, the client. It is our goal to keep communication lines open with all parties during the mortgage process.
With in-house marketing reps and account managers, we make every attempt to keep Realtors and home builders apprised of loan status for our clients.
Services
We are proud of the team of individuals who represent our company.
Our employees and loan officers were chosen for their integrity, work ethic, and commitment to meeting our clients' needs.
You will not find a group of more loyal or dedicated workers than these.
Please contact one of our staff below and let them know how we can serve.
Our employees and loan officers were chosen for their integrity, work ethic, and commitment to meeting our clients' needs.
You will not find a group of more loyal or dedicated workers than these.
Please contact one of our staff below and let them know how we can serve.
Home of the 15 Day Close! - Our standard product options close in an average of 15 days.
We offer most residential loan types and some commercial loan types for new construction, purchases, rate/term and cash out refinances.
Our goal is to help you make an informed decision as to which option is best for you today and in the future.
Our loan types are listed below.
Section 184 - As little as 2.25% down, specifically for Native Americans with a federal roll card, tribal land acceptable.
Home Construction - One close and two close options, owner occupied, investment property, and builder spec.
We offer most residential loan types and some commercial loan types for new construction, purchases, rate/term and cash out refinances.
Our goal is to help you make an informed decision as to which option is best for you today and in the future.
Our loan types are listed below.
Section 184 - As little as 2.25% down, specifically for Native Americans with a federal roll card, tribal land acceptable.
Home Construction - One close and two close options, owner occupied, investment property, and builder spec.
Often homeowners find themselves looking to use equity to cover other expenses but aren't sure how to best approach the situation.
One option that we offer, a cash-out refinance, allows you to replace your current mortgage.
In doing so, you create a new agreement, at potentially new rate, new term, and new balance.
Your monthly mortgage may even end up being less!
With the possibility of lowering your interest rate, while utilizing some equity, you gain complete flexibility; possibly saving money!
One option that we offer, a cash-out refinance, allows you to replace your current mortgage.
In doing so, you create a new agreement, at potentially new rate, new term, and new balance.
Your monthly mortgage may even end up being less!
With the possibility of lowering your interest rate, while utilizing some equity, you gain complete flexibility; possibly saving money!
Many programs allow borrowers to do streamline refinances.
If you are currently on a VA or FHA loan for at least 6 months of payments made, then you can reset your rate by doing a streamline refinance.
These are great because they require no income or asset verifications, have more flexible credit qualifications, and usually don't require an appraisal.
The average streamline closes in ten days from start to finish.
USDA also has a similar option if you've been in your current USDA loan for at least 12 months.
If you are currently on a VA or FHA loan for at least 6 months of payments made, then you can reset your rate by doing a streamline refinance.
These are great because they require no income or asset verifications, have more flexible credit qualifications, and usually don't require an appraisal.
The average streamline closes in ten days from start to finish.
USDA also has a similar option if you've been in your current USDA loan for at least 12 months.
We also do the VA Refinance loans.
VA has two options for these.
If you are already on a VA loan and want to reduce your loan then a great option is the VA IRRRL or Interest Rate Reduction Refinance Loan.
This option typically doesn't require an appraisal and has very low closing costs.
This streamline option doesn't verify income or assets and as long as your mortgage is not over 30 days late for the past year then you qualify.
VA also allows for full qualifying refinances in order to allow up to 100% cash out giving you access to the full equity value of your home.
VA has two options for these.
If you are already on a VA loan and want to reduce your loan then a great option is the VA IRRRL or Interest Rate Reduction Refinance Loan.
This option typically doesn't require an appraisal and has very low closing costs.
This streamline option doesn't verify income or assets and as long as your mortgage is not over 30 days late for the past year then you qualify.
VA also allows for full qualifying refinances in order to allow up to 100% cash out giving you access to the full equity value of your home.
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