Home Purchase

Purchasing a new home is a very exciting time. Whether it’s your first home, second home, or investment property – you want peace of mind that you are in good hands. We are a tight-knit administrative team that will work together to have your loan closed quickly, all the while making the process as simple and seamless as possible for you.

We have access to the top wholesale investors in the country, which means we can offer some of the lowest interest rates in the US.

Before you begin making offers on homes, let's pre-qualify you so that your offers stand out among the others who may not have a pre-qualification letter.

We have flexible loan options to meet every client’s needs. Whether that be utilizing a down payment assistance program, taking advantage of lender credits to give you a slight break on the closing costs, or looking for the lowest possible monthly payment with a 40-Year Interest Only loan option – we have it all!

Mortgage Refinance

Completing a mortgage refinance offers an array of potential benefits.

A “Rate/Term Refinance” allows you to pay off your current mortgage and essentially replace it with a mortgage that may offer you a lower interest rate or alternate term length - in most cases, anywhere from an 8-Year Term all the way to a 40-Year Interest Only Term. This can offer a great deal of savings monthly and over the life of your loan.

Alternately, you can complete a “Cash-Out Refinance”. The equity you have built in your home is like untouched savings. If you have adequate equity, you don’t need to take out high-interest rate personal loans. You can utilize the equity in your home to consolidate your debts or pull-out cash for any number of needs. Refinancing for debt consolidation can offer hundreds to thousands of dollars in monthly savings and pulls you out of other high-interest rate credit cards or loans.

There are no limits on what your cash-out can be used for: home improvements, vacation, education, auto purchase, retirement/investments or just to have reserves on hand! You can also utilize a cash-out refinance to pay off another mortgage loan, consolidating one or more small mortgages onto a single property – leaving you with “Free & Clear” properties! Whatever your needs are, we’ll find an option to satisfy them.

Home Equity Lines of Credit (HELOC) allow you to borrow against the available equity in your home, using the house as collateral, much like a credit card, without touching your first mortgage.  As you repay your outstanding balance, the amount of available credit is replenished for you to use in the future.  This means you can borrow against it as many times as you want, as long as you have the available credit to do so throughout the draw period, which is typically 10 years.  At the end of the draw period, the repayment period (typically 20 years) begins.   We offer both variable rate and fixed rate HELOC's and their terms may vary. 

Feel free to reach out so we can explore your options and free up your monthly budget!