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The Mortgage Loan
To Fit Your Needs
PURCHASE   .   REFINANCE   .   CASH OUT
Conventional   .   FHA   .   VA   .   Jumbo   .   Realty
Owner Occupied or Investment Properties
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If you are looking to buy a home I can Pre Approve you for a Home Loan

Then Match you up with a Professional  Real Estate Agent from

My Exclusive Real Estate Agent Network

Who Specializes in Your Specific Needs.

 

Why Refinance Your Home?

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  • Lower Your Monthly Payments

Refinancing can help you secure a lower interest rate, potentially reducing your monthly mortgage payments and putting more money back in your pocket.

 

  • Access Home Equity

Tap into the equity you've built in your home to fund home improvements, consolidate high-interest debt, pay for education, or achieve other financial objectives.

 

  • Change Loan Terms

Refinancing allows you to switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage or adjust your loan term to better align with your financial goals.

 

  • Remove Private Mortgage Insurance (PMI)

If you've built significant equity in your home, refinancing can help eliminate the need for costly private mortgage insurance.

 
Online Learning

Home Purchase

Your Dream Home with the

Right Loan

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We understand that purchasing a home is a significant milestone in your life. Finding the perfect home is just the beginning, and securing the right mortgage loan is crucial to making your dream a reality.

 

My expert team is here to guide you through a range of Home Purchase Loan options tailored to your specific needs and financial goals.

 
The many different types of home loans available can seem overwhelming. Should you choose a fixed rate, adjustable rate or government loan mortgage? The truth is there is no right answer. Choosing a loan type is an important decision that is best made after you have researched your options. Remember, taking the time to explore your options now can mean saving thousands of dollars in the long run.
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Available Home Loan Options and Programs

 

Fixed Rate Mortgages (FRM)
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

 

Adjustable Rate Mortgages (ARM)
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.

 

Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)
Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.

 

HARP 2.0
HARP 2.0 is a refinance option for homeowners that are “underwater,” meaning they owe more on their home than their home is worth.

 

FHA Loans
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

 

VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

 

Interest Only Mortgages
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specified period of time.

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Reverse Mortgages

Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.

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