These are some of the services we provide. If you don't
see your loan type here don't worry, if there is a program out there Mortgage
knows about it!!
Fixed-Rate Mortgage Loans
Equity/ Debt Consolidation
Jumbos and Super Jumbos
1031 Tax Exchange
FHA loans allow you to put as little as 3.5 percent down and the credit
requirements are more lenient than conventional mortgages. FHA is not a
low-income program, so anyone can qualify. The Federal Housing Administration
(FHA) insures loans made to borrowers who can't afford a large down payment.
So if you're a first-time home buyer or don't have a large nest-egg, don't
assume you can't qualify for a mortgage. We can accommodate all FHA programs
such as Standard fixed rate (FHA 203b), FHA adjustable rate mortgage (FHA
251), FHA 2-1 buydown (FHA 203b, FHA 251), as well
as the Energy Efficient Mortgages Program. Give us a call!
VA mortgages offer the opportunity to buy a home up to a specified amount
with no down payment. These loans are administered by the Department of
Veterans Affairs. VA loans are assumable and have more flexible requirements
than either FHA or conventional (not government insured) home loans.
A mortgage in which the interest rate does not
change during the entire term of the loan and it is not insured or guaranteed
by the government, as opposed to a government mortgage.
Fixed-Rate Mortgage Loans
Lock in now, before rates start to rise. Your
interest rate is fixed and your monthly payment is fixed for the term of the
loan. We find you the most competitive fixed rates!
Adjustable-Rate Mortgage Loans
The big advantage is the initial interest rate is
lower than what you can get with a fixed rate. You'll probably be earning
more in the future than you are now so this might be the loan for you. You
can also refinance later to a fixed-rate loan!
Custom Construction Financing
Build your own custom home the way you want with a minimum of delays and
paperwork! You'll love our low rates and efficient procedures!
Refinancing and consolidating your debt with an Mortgage SpecialistsSM
can lower the total amount you pay out each month. You can even arrange to
have extra cash, including non-owner occupied cash back. Here are some
reasons you may want to think about:
Consolidate your high-interest
debt. Consolidate high-interest debt such as credit cards. Your overall
monthly payments will be reduced and may even be tax deductible.
Get extra cash. Refinancing can give you extra cash for the things you've
always wanted to do. Like taking that long-deserved vacation, or paying for a
college education. It's your choice.
Home Improvement Loans. Fix the roof, purchase new
kitchen cabinets, or remodel to increase the value of your home.
Take a 30-day break from payments. Your first payment is usually not due for
30 days or more.
A Home Equity loan (second mortgage). Usually this
kind of financing gives you a tax advantage.
Fixed Home Equity Loans are provided as a lump sum and used all at once.
Whether you need to pay off debts, buy a new car, kitchen appliances, or the
vacation of your dreams--we're here to help.
A Home Equity Line of Credit is available funds for you to use at your
discretion when you need the money.
We can help you get financing for a single unit or
an entire complex, including non-conforming.
FHA One- to Four-Family Mortgage Insurance is still an important tool through
which the Federal Government expands home ownership opportunities for
first-time home buyers and other borrowers who would not otherwise qualify
for conventional loans on affordable terms, as well as for those who live in
underserved areas where mortgages may be harder to get.
A loan that does not conform to the guidelines
established by Fannie Mae or Freddie Mac or exceeds the conventional loan
limit is called a Jumbo mortgage loan. These loan amounts are unlimited! Loan
to value limits for Jumbo mortgage loans range from 50% to 90% depending on
the loan amount.
Many investors are becoming aware that the Internal
Revenue Code provides a vehicle for deferring capital gain taxes while
disposing of investment property. This vehicle is the IRC Section 1031
exchange. The Code and Treasury Regulations have validated the services of a
"Qualified Intermediary" to complete a tax deferred exchange.