For anyone using FHA, VA, Conventional or USDA mortgage programs for their primary house.
We will help ANYONE qualify through the form of TRUE GIFT for down payment or in lieu of that through CLOSING COST CREDITS that can save you thousands at closing.
NO repayment requirements and NO second mortgages means INSTANT EQUITY to you
We also will not pay rent to Realtor owners for space in their offices to solicit the Realtors for referrals. We feel that the customer should always get independent representation for their mortgage so that each party will then share an honest opinion of the other parties to the transaction. This way the customer interest is best represented and they are always fully informed.
This is how mortgage banking works in America. Fannie Mae and Freddie Mac then sell your mortgage backed security or bonds to Wall Street Pension Funds or Mutual Funds who consider this a safe investment, unlike volatile stocks, backed by a house and backed by mortgage insurance in case of default. In effect Americans are lending to themselves every day with a lot of people in the middle in one big circle.
In addition, we offer the full spectrum of lending options for those customers who are low on funds and need help with a gift. Or those customers who just don’t want to waste their hard earned money on closing costs and would rather use it for paying off debt or home improvements. It takes a large investment of time and work to master the knowledge behind the many lending options for customers in the market but we train our licensed loan officers and take pride in offering a very professional and personal experience for our customers putting ourselves in their shoes as this was our own home.
Our goal is for you to know close to as much as we do and to have answered every question you have and answer questions you haven’t even thought of in anticipation of getting a mortgage. This is the most important investment of your life so you should take a few minutes with us to get a free second opinion. We take your financial future very seriously and realize the potential savings.