Mortgage Done Right!
We strive to make you a client for life. We aim to be your first choice whenever you need a home loan. We always strive to go above and above for you, so you can confidently refer your relatives and friends to us for mortgage finance needs.
Services we provide
Conventional Loans
Conventional loans are still the most common type of mortgage; however, they are not guaranteed by any government body. Consumers with credit scores as low as 620 may be eligible for financing with a 3% down payment.
VA Mortgage
You may be qualified for a VA loan with no down payment, which is backed by the Department of Veterans Affairs (VA) in the United States, due to your military service. Regardless of your down payment, there is no requirement for mortgage insurance. . .
Refinance Mortgage
A refinancing mortgage is a type of house loan where a new mortgage is obtained to replace your existing one. Homeowners frequently refinance in order to reduce their monthly payments, accelerate loan payoff, or take out cash for home improvements, debt consolidation, or repairs.
FHA Loans
It can be simpler and more affordable for first-time homeowners with credit scores under 620 to obtain an FHA loan, which is backed by the Federal Housing Administration (FHA). With just a 3.5% down payment and a 580 credit score, buyers may be eligible.
USDA Mortgage
A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA.
_
Fixed-Rate Mortgages
Because fixed-rate mortgages provide the stability and predictability of a monthly payment, most homeowners choose them. The most popular fixed-rate mortgage is the 30-year model since it offers the lowest monthly payment spread over the longest duration.
Mortgage Rate Trends
Are you looking for the right Mortgage?
We can help you with everything you need for a mortgage
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process.
