Our #1 goal is to establish a trusting relationship with our clients while providing excellent customer service. We focus on pilots and veterans doing a large volume of loans, although we offer a variety of other loan products to ensure that each of our borrower's unique situation is assisted with the best option possible.
Given your unique credit and employment history, income, debt, and goals, how much will a lender loan you? You can easily get a rough idea using our calculator. We will also help you through different scenarios by asking a few simple questions. Based on standard lender guidelines, we give you a good idea of what kind of terms and loan programs you can expect to benefit most from.
Given your unique credit and employment history, income, debt, and goals, how much will a lender loan you? You can easily get a rough idea using our calculator. We will also help you through different scenarios by asking a few simple questions. Based on standard lender guidelines, we give you a good idea of what kind of terms and loan programs you can expect to benefit most from.
Services
First Time Home Buyer
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Because they typically feature good rates and lower costs, they are flexible and affordable for most people. Also known as conforming loans, conventional loans follow the standards established by Fannie Mae and Freddie Mac. Conventional loans may be used to purchase a primary residence, a secondary or vacation home, or rental properties.
Government Loans
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Counseling and assistance available to veteran borrowers experiencing financial difficulty or facing default on their loan. VA loans are provided by regular lenders to eligible veterans for the purchase of a home, but are guaranteed by the U.S. Department of Veteran Affairs. The guaranty means the lender is protected against loss if the borrower fails to repay the loan.
Refinancing
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Conventional refinancing is a good option for homeowners with a minimum of 20% equity and good credit history. Backed by Fannie Mae or Freddie Mac, a conventional refinance often allows those with an FHA loan to eliminate the Mortgage Insurance Premium. In a Cash-Out Refinance, the homeowner increases their loan balance by a minimum of five percent.
VA Refinance
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The VA Refinance program waives the need for documentation required for conventional refinance loans. By eliminating the need to verify income, employment, credit score and other financial information, the application process is kept simple and straightforward. Also called a VA-to-VA Loan, the VA Refinance program is provided by standard lenders but guaranteed by the VA.
FHA Streamline Refinance
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If you have an existing FHA Loan, call us and see how refinancing can lower your monthly payments and get you the cash you need now. By refinancing your existing loan, the total finance charges may be higher over the life of the loan. Homeowners with existing FHA mortgages who wish to refinance their mortgage may benefit from the FHA Streamline Refinance Program.
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