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No One Loan Program is Best for Everyone.
We take a "solutions oriented" approach to evaluating your personal financing
requirements (special needs or problems). We never recommend loans to our clients
on a "cookie-cutter" basis, but rather work hard to match the best loan
to your specific needs.Additionally, loan programs change
depending on the financial market.
Are you a First-Time Home Buyer? That's our specialty niche market! We have loans
for you. We love first-time home buyers.
If your Credit is Good? ... we'll help you find the best loan for your excellent
credit. There are many opportunities out there for you.
Trouble Getting a Loan? Whatever your difficulty, PLEASE DON'T ASSUME YOU CAN'T GET
QUALIFIED FOR A LOAN. In most cases, we can help you get the financing you need.
Need Government Assistance? We offer Government created loans for those who want to
buy a house with little down.
Do you have Special Needs? We can help with special circumstances, and find a loan
custom made for you.
We have all the standard programs:
 | 30-year and 15-year fixed rates for all loan sizes. |
| 30-year Adjustable Rate Mortgages with many alternative indexes, margins, caps,
adjustment periods and other features. |
| FHA and VA loans |
We have all the innovative programs:
| 100 % Financing or 80% - 20% Financing |
| Investment and Equity builder loans with low starting
rates (1-1.95%) |
| 3/1, 5/1, 7/1 and 10/1 A.R.M.s |
| 30-due-in-5 (a.k.a. 5/25) and 30-due-in-7 (a.k.a. 7/23) extendable "balloon"
loans |
| 1-1 and 2-1 Buydowns |
| 7/23 combined with 2-1 Buy-Down |
| 80-10-10 loans to avoid PMI with a low down payment |
| 90% Loan-to-Value purchase and re-fi loans for vacation homes |
| "Quick Qualifier", "No-Income-Verification", "Easy Doc"
loans |
| "No Ratio" loans |
We have unusual and unique programs:
| "No Doc" loans that require no income source |
| GREAT construction and lot loans |
| 25-year A.R.M.s with very low margins and interest-only payments for the first 15 years |
| 100% financing with additional collateral of other real estate or marketable securities |
| 80-10-10 loan combined with a Quick Qualifier |
| 95%, even 100%, L-T-V loans with no PMI for high-net-worth, perfect credit
borrowers |
| Foreign National loans for aliens to finance U.S. homes |
| Loans for Condo-Hotels |
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