Whether your credit's perfect or less than perfect, we can help you find the best deal on your home loan. You can refinance at today's low rates, consolidate high rate bills, make home improvements, even get extra cash.

With just one contact, you and your loan request will be matched with different lenders, so that we can compare various offers, options, and decide which loan is best for you.

If you're pressed for time, you can also use our quick application or request that we can mail, fax or e-mail to you. No matter which route you take, your application will be placed in top priority and will receive immediate attention.

DOWNLOAD FULL LOAN APPLICATION FORM - HERE! (Adobe PDF format)

 Ask us about our No Money Down Programs-some still available for well qualified buyers.

MORTGAGE SCENARIOS

• Mortgage Scenarios
• NO Cost and NO point loans
• Conforming and Jumbo loans (up to 2mil.+)
• Refinancing or Purchase loans
• 97% Financing, Interest Only, No Down Payment
• We work with bankruptcy
• We work with Bad credit... and Good credit of course
• Even no job and no income can get a loan!
• Cash-out equity
• Combine 1st and 2nd mortgages to restructure for lower payment
• Remove “Private Mortgage Insurance” (PMI)
• Owner and Non-owner occupied
• Investment properties
• Conventional, FHA, VA
• A paper – D paper
• Mobile Homes
• Land Loans
• Free (yes free) Pre-approval

Yes that’s a lot! But we can do it. Worst case scenario, we find that you have the best rate possible, I congratulate and we part as friends (if you can beat our offer, than you most definitely have the best rate), best case scenario, we find we can save you thousands of dollars a year, all at no cost to you.

PURCHASE & REFINANCE MORTGAGE LOAN APPLICATION - CHECKLIST 

The loan approval process generally begins with an initial interview where the prospective home buyer and the mortgage professional meet to discuss the potential loan. You will need to bring information to verify your income and long-term debts.

Often people prefer to meet with us before house hunting to determine in advance what price range they can realistically afford and the mortgage amount for which they can qualify. This step is called pre-qualification and can save you much time and trouble by making certain you are looking in the correct price range.
For your first meeting with the mortgage company, you should bring:

Purchase Checklist

 

  A purchase contract for the house (if you have one)
  2 months of bank account statements
  2 pay stubs
  2 years of W2 forms
  2 years of tax returns and balance sheet (usually for self employed individuals), or other proof of employment and income verification
  Front and back copy of Green card (if not a citizen)
  Copy of drivers license
  Any gift letters, if you are using a gift from a parent or relative or other organization to help pay the down payment and/or closing costs.
  This letter simply states that the money is in fact a gift and will not have to be repaid.
  Additional paperwork may be needed for different loan programs

Refinance Checklist

 

  2 months of bank account statements
  2 pay stubs
  2 years of W2 forms
  2 years of tax returns (usually for self employed individuals), or other proof of employment and income verification
  Front and back copy of Green card (if not a citizen)
  Copy of drivers license
  Copy of most recent mortgage statement
  Additional paperwork may be needed for different loan programs

Having these items on hand when you visit the mortgage company will help speed up the application process. Generally, there is no fee for pre-qualification.

After the initial meeting, you should have a general idea if you qualify for the size and type of loan you want. We should let you know if you qualify for the loan within days.