We know that each of our clients have specific goals in mind when they call us, so we strive to meet those specific needs by providing tailored information about different loan programs, steps to owning a house, financial tools- including credit repair- and best of all quality service and individual attention. Buying a home may be the most exciting, confusing and stressful financial transaction you ever undertake.
Even if you have gone through the process before you can still find it complicated and intimidating. Countless loan documents, unfamiliar terminology and confusing regulations can diminish the joy of buying a new home. But that's where we come in! We are a small mortgage company that prides ourselves on our ability to provide one-on-one attention.
We strive to meet with each client before the loan process begins and make it a point to be there at settlement to ensure that we will be available and involved throughout the process, from beginning to end. Whether you are looking for a low down payment or a below average credit program, or if you have recently gone through a bankruptcy, no problem, we have a loan program that will fit your situation.
Even if you have gone through the process before you can still find it complicated and intimidating. Countless loan documents, unfamiliar terminology and confusing regulations can diminish the joy of buying a new home. But that's where we come in! We are a small mortgage company that prides ourselves on our ability to provide one-on-one attention.
We strive to meet with each client before the loan process begins and make it a point to be there at settlement to ensure that we will be available and involved throughout the process, from beginning to end. Whether you are looking for a low down payment or a below average credit program, or if you have recently gone through a bankruptcy, no problem, we have a loan program that will fit your situation.
Services
As a CMPS, Certified Mortgage Planning Specialist, I am committed, qualified and equipped to implement mortgage, cash flow and real estate equity management strategies that help my clients build and conserve wealth, become debt free sooner, and achieve financial freedom safer and sooner.
I am COMMITTED to raising mortgage industry standards of practice, ethics and professionalism through individual membership, training and certification.
I am QUALIFIED to help clients achieve financial freedom, build wealth and experience their life dreams by implementing intelligent mortgage, cash flow and home equity strategies.
I am COMMITTED to raising mortgage industry standards of practice, ethics and professionalism through individual membership, training and certification.
I am QUALIFIED to help clients achieve financial freedom, build wealth and experience their life dreams by implementing intelligent mortgage, cash flow and home equity strategies.
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We greatly appreciate your feedback as it is our goal to make each client's mortgage experience pleasant and successful.
I highly recommend Deneen to any and all of my clients in need of expert and personal attention that is needed in today's difficult Real Estate Mortgage Market.
Her product knowledge and personal attention makes her a stand out in her Industry!
Deneen is who you call if you want experience and professionalism along with someone who truly cares about you.
We greatly appreciate your feedback as it is our goal to make each client's mortgage experience pleasant and successful.
I highly recommend Deneen to any and all of my clients in need of expert and personal attention that is needed in today's difficult Real Estate Mortgage Market.
Her product knowledge and personal attention makes her a stand out in her Industry!
Deneen is who you call if you want experience and professionalism along with someone who truly cares about you.
Purchasing a home is one of life's major landmarks and for some, it is even a dream come true.
We understand the magnitude of this decision and it is our goal to make your transition into home ownership as smooth as possible.
Picking out a mortgage that is right for your needs can be confusing, especially if you qualify for more than one kind.
That's why we want to explain the benefits, eligibility and different uses for each common loan type.
Below is some general knowledge about loans and how they are defined.
We understand the magnitude of this decision and it is our goal to make your transition into home ownership as smooth as possible.
Picking out a mortgage that is right for your needs can be confusing, especially if you qualify for more than one kind.
That's why we want to explain the benefits, eligibility and different uses for each common loan type.
Below is some general knowledge about loans and how they are defined.
HARP stands for Home Affordable Refinance Program, an initiative from the Federal Housing Finance Agency (FHFA) to assist homeowners whose homes are now worth less than what they owe.
HARP applies to primary residences, second/vacation homes and investment/rental properties.
If the current marketplace "loan-to-value" (LTV) requirements and need for a new appraisal have made it difficult or impossible for you to refinance at today's record low interest rates, Affordable Home Loans may be able to help you without needing a new appraisal or meeting previous LTV requirements.
HARP applies to primary residences, second/vacation homes and investment/rental properties.
If the current marketplace "loan-to-value" (LTV) requirements and need for a new appraisal have made it difficult or impossible for you to refinance at today's record low interest rates, Affordable Home Loans may be able to help you without needing a new appraisal or meeting previous LTV requirements.
VA loans help active military members, veterans and eligible surviving spouses become homeowners.
This loan program allows you to purchase a home at very competitive interest rates without requiring a down payment or private mortgage insurance.
With $0 down, a VA loan is one of the only loan programs that still allows the borrower to finance 100% of the home's value.
Lenders may make loans to Veterans greater than the maximum county loan limit; however, lenders may require Veterans to make a down payment for the amount borrowed in excess of the applicable county loan limit.
This loan program allows you to purchase a home at very competitive interest rates without requiring a down payment or private mortgage insurance.
With $0 down, a VA loan is one of the only loan programs that still allows the borrower to finance 100% of the home's value.
Lenders may make loans to Veterans greater than the maximum county loan limit; however, lenders may require Veterans to make a down payment for the amount borrowed in excess of the applicable county loan limit.
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