Distinctive Mortgages
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Distinctive Mortgages
We have a Referrals-Relationships-Repeat (RRR) business model. To earn these relationships is of the utmost importance. Our philosophy is to treat people the way they want to be treated and to provide the highest level of service. Whether you are buying, selling, or refinancing, it is important to have an experienced mortgage professional to help you analyze your financing options, and make sure the closing goes smoothly.

With our experience, and our rates and programs, you are sure to get the mortgage that is right for you. Please remember to get us involved early on in your home-buying process. Starting the process not only gives you a better idea of what you can qualify for, it also gives you a stronger negotiation position when you find the home of your dreams.
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How to Get a Loan
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Once you select us to obtain your home loan, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and saves you money. Throughout the loan-application process, we provide you with regular updates. You can also e-mail us with questions or new information.
Types of Loans
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The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then adjustable-rate loans are usually cheaper. As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans.
Home Purchase Basics
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Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Here's some information that will keep you on track. A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details.
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