Mortgage Loans

(Real Estate Financing, Reverse Mortgage)

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Purchase Loan, HELOC, HECM

YOU MAY BE MORE READY THAN YOU KNOW

for a new affordable home loan!

How Much Can I Borrow?

Loans play such a pivotal role in the financial lives of home buyers and homeowners, they should be treated with the respect they deserve. The Mortgage Loan Originator (MLO), or Mortgage Broker, or simply the Loan Officer, is your prime source of information and guidance for effective borrowing. Our Loan Officers have the answers to all your questions.

We do not recommend you rely on just advice from friends, relatives and neighbors. Speak with the professionals.

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No two people have the same needs, reasons and criteria for a loan. Loans are personal and peculiar to each borrower, and as such, they should be treated uniquely. To get your best treatment, contact one of our Mortgage Loan Originators (loan officers) for your specific analysis of your loan needs and requirements. Start by completing and submitting the form below.

·	Purchase Loans Why rent when you can own? Talk with our Mortgage Loan Officer today and learn about affordable mortgages to fit your budget and lifestyle.

·	Construction Loans Leverage the cost of building your new house or business building with a construction loan structured to lower risk and maximize returns from investment. Get the facts.

·	Home Equity Line Of Credit (HELOC) Standalone HELOCs for 1st, 2nd, 3rd lien positions, with terms of 5, 10, 15 and 30 years. Personal loans and credit cards just can’t compete with this.

First-Time Buyer

Under the guidelines of the Department of Housing and Urban Development (HUD)’s definition of a first-time homebuyer, those who qualify may be eligible for conventional low down payment loans such as Fannie Mae HomeReady and Freddy Mac Loan Possible loan programs, Federal Housing Authority (FHA) low-down payment loans, and zero-dollars down payment loans such as the VA loans for veterans and Military serving people.

Being a first-time home buyer can also enable many buyers to get down-payment assistance from states, municipalities and other government agencies, private entities and nonprofits. Ask about HomePath Homes by Fannie Mae, and HUD Home Buying programs. If you are a nurse, law enforcement officer, fire fighter or emergency medical personnel, ask about HUDs’ Good Neighbor Next Door program.

Refinancing

For many homeowners, lower interest rates and lower monthly mortgage payments are the incentives for them to consider refinancing. For others, taking money out or switching to a fixed-rate mortgage may be their reasons. Refinancing can save a borrower a lot of money on a mortgage, especially when market rates have fallen way below the rate of their current loan.

Whatever your refinancing needs, our Loan Officers can assist you in getting the money you need at the best terms possible, while guiding you through the process of obtaining the loan.

Construction Financing

Contractors and homeowners building their own homes can get short-term loans to pay for the up-front costs of a project. Contractors can partner with our lenders to get financing to their customers. Some lenders offer 100% free home improvement financing for contractors. Many lenders work with FICO scores as low as 550.

Customers should check with our Loan Officers to assist them in identifying different loan options that may suit their needs. Pre-qualification options are available to customers to see how much loan they may qualify for without affecting their credit scores.

Home Equity Conversion Mortgage (HECM)

(Reverse Mortgage)

A Reverse Mortgage from Federal Housing Authority (FHA) approved lenders can provide the funds you withdraw as a portion of your home’s equity to use for general living expenses, home maintenance, repairs, or to purchase a new home. Talk with a loan officer today.