The Mortgage Planning difference. 1st - Let's have an informal conversation to determine your short and long term goals. 2nd - We will then provide you a customized Mortgage Plan that takes those goals into consideration. 3rd - If it makes sense to move forward. It is easy to get started, either call our toll free number (800-614-4009) or complete the following short questionnaire.
Our Loan Advisors have a minimum of 10 years' experience and are highly knowledgeable in the various loan programs that are available so that you can be confident in getting the right loan for your needs. The loan options are presented in an easy to understand Mortgage Plan that is developed to achieve your short and long term goals. Unlike some companies that only offer a few loan programs, we have a wide range of products to assist with your purchase or refinance.
Regardless if you are a 1st time buyer or ready to retire and are looking for a Reverse Mortgage, we have the loan program that will provide YOU the highest benefit.
Our Loan Advisors have a minimum of 10 years' experience and are highly knowledgeable in the various loan programs that are available so that you can be confident in getting the right loan for your needs. The loan options are presented in an easy to understand Mortgage Plan that is developed to achieve your short and long term goals. Unlike some companies that only offer a few loan programs, we have a wide range of products to assist with your purchase or refinance.
Regardless if you are a 1st time buyer or ready to retire and are looking for a Reverse Mortgage, we have the loan program that will provide YOU the highest benefit.
Services
Purchasing a home is a very exciting time, and being well prepared will help you make better decisions.
Buying a home offers many advantages, one of the most significant being that it allows you to build equity (ownership) when you pay your mortgage each month.
A common myth is that monthly mortgage payments are more expensive than rent.
But, in many cases, mortgage payments can be even less than rent.
Whether you're buying your first home or you're an experienced buyer, we have a home lending solution just for you.
Buying a home offers many advantages, one of the most significant being that it allows you to build equity (ownership) when you pay your mortgage each month.
A common myth is that monthly mortgage payments are more expensive than rent.
But, in many cases, mortgage payments can be even less than rent.
Whether you're buying your first home or you're an experienced buyer, we have a home lending solution just for you.
Changing the terms of your loan can benefit you and maximize your monthly income.
A lower monthly mortgage payment can help free-up money so you can save, invest or use for other expenses.
When rates are favorable, refinancing to a lower rate or longer-term mortgage can keep more money in your pocket every month.
Our refinance calculator will help you to decide whether you should refinance your current mortgage at a lower interest rate.
Joel helped my wife and I obtain a home mortgage for the purchase of our home.
A lower monthly mortgage payment can help free-up money so you can save, invest or use for other expenses.
When rates are favorable, refinancing to a lower rate or longer-term mortgage can keep more money in your pocket every month.
Our refinance calculator will help you to decide whether you should refinance your current mortgage at a lower interest rate.
Joel helped my wife and I obtain a home mortgage for the purchase of our home.
For clients who anticipate a significant increase in income or property value in the next several years, plan short-term stays in their home, or would like to significantly lower their mortgage payments, an adjustable rate mortgage loan may be the right option.
As the name implies, ARMs have interest rates that change at a pre-determined interval.
An ARM is a great option for clients who intend to refinance or sell a home in an expected time frame.
Buyers can save thousands of dollars in payments during the initial fixed period vs. a fixed rate loan with a higher rate.
As the name implies, ARMs have interest rates that change at a pre-determined interval.
An ARM is a great option for clients who intend to refinance or sell a home in an expected time frame.
Buyers can save thousands of dollars in payments during the initial fixed period vs. a fixed rate loan with a higher rate.
FHA (Federal Housing Administration) loans allow past credit issues, lower minimum credit scores (580) with a minimum of 3.5% down payment.all at competitive rates.
FHA loans require mortgage insurance that provides the lender protection if a borrower defaults on their mortgage.
We also offer FHA loans combined with down payment assistance programs to help those borrowers that have income stability but may not have the 3.5% down payment saved.
FHA loans require mortgage insurance that provides the lender protection if a borrower defaults on their mortgage.
We also offer FHA loans combined with down payment assistance programs to help those borrowers that have income stability but may not have the 3.5% down payment saved.
A VA loan is perhaps the most powerful and flexible lending option on the market today.
Rather than issue loans, the VA instead pledges to repay about a quarter of every loan it guarantees in the unlikely event the borrower defaults.
That guarantee gives VA-approved lenders greater protection when lending to military borrowers and often leads to highly competitive rates and terms for qualified veterans.
Whether you're buying your first home or you're an experienced buyer, we have a home lending solution just for you.
Rather than issue loans, the VA instead pledges to repay about a quarter of every loan it guarantees in the unlikely event the borrower defaults.
That guarantee gives VA-approved lenders greater protection when lending to military borrowers and often leads to highly competitive rates and terms for qualified veterans.
Whether you're buying your first home or you're an experienced buyer, we have a home lending solution just for you.
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