Lock & Close

We make home financing simple by guaranteeing the mortgage rate. We start by getting the loan pre-approved and provide certainty. If you are buying, find the house you like, submit the offer with the approval, and appreciate how it is accepted by the seller because it assures closing escrow on time. Once the offer is accepted, the rate is locked for 30 - 60 days to preserve your best interests. If you are refinancing it is simpler, on automated approval the rate you prefer is locked for 30 days to maximize the benefit.  

If rates go up, you are protected. The rate lock is based on the middle credit score at the time of the lock. All loans must fund within the lock period. Promotion is available on conventional, Jumbo, and government loans. Promotion is subject to change and restrictions apply. Void where prohibited.

Mortgage Loans

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In buying or refinancing real estate the most critical part of the transaction is the financing because it is what makes it affordable. We make it simple and affordable by selecting the best lending options for your real estate plans. The following are reasons for working together:
  • Solar Panels Refinance: Refinance & payoff expensive home improvements, solar panels, and other things that are paid via property taxes and return savings back to normal. Removes the special tax & lien that increases the overall tax bill which pays for the panels. Majority of solar panels are sold via HERO and PACE programs by door to sales people.​
  • Probate Refinance: Don't sell the house and keep it in the family plus save thousands of dollars in real estate commissions; you will not need a down payment!
  • Refinance: restructure the current home loan, remove mortgage insurance, switch from government loans to conventional, have better terms,  and more manageable payments 
  • HARP 2.0: Refinance with no equity and no appraisal - present mortgage loan must have recorded on or before 6/1/2009 - Check if you are eligible click both links Fannie Mae or Freddie Mac                                       
  • Purchase: first time buyer, growing family, step up to better or bigger residence, and many more reasons
  • Rate Reduction: present interest rate high, swap adjustable rate mortgage to fixed rate, or take advantage of current historical low rates
  • Home Improvements: additions to the house, and renovation, increase curb appeal, and  improve market value 
  • Debt Consolidation: combine all debts into one single payment, get rid off non-deductible consumer interest charges, and increase tax write-offs
  • Mortgage Consolidation: put all mortgages into one manageable payment and save    
  • Money for School Tuition: pay for college or other education opportunity
  • Cash for Any Reason: take a vacation, put money in the bank, or start a business
  • Reverse Mortgage: planning retirement, current age is at least 62 years, and do not want anymore housing payments - click here to review brochure​
You may have other reasons to need a mortgage loan and whatever those are we will improve your present financial condition rest assured.

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We have loans for all types credit and income verification including the following:

Credit
  • Excellent: no delinquency on credit past or present
  • Recent Bankruptcy: Chapter 7 or Chapter 13 
  • Foreclosure: lost house & want a fresh start with new residence
  • Slow Pay: some derogatory accounts but overall good credit
  • Short Sale: sold house for less than owed due to the economy

Income
  • Verified Income: full disclosure with tax returns & pay stubs
  • W-2 Only: no deductions to income due to IRS form 2106 expenses
  • Self Employed: verify using bank statements
  • Investor Rental properties - rental agreements only

We have the right loan for you all you have to do is contact us to find the best option for you when buying or refinancing. 

Lending terms & programs include:
  • 30 year fixed rates
  • 20 year fixed rates
  • 15 year fixed rates
  • 10 year fixed rates
  • 5 year fixed - adjustable rate mortgage
  • 7 year fixed - adjustable rate mortgage
  • FHA Regular & 203k Streamline
  • VA loans
  • Alt " Doc"
  • ​Conventional 

Below are some of the programs we offer but call us for other lending products you may be looking for; we will assist you find it. Yes, we will match or beat any legitimate loan estimate. We look forward to become your source for all real estate matters including lending.




Rates are Rising but Ours are Low!
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Call Today

888-522-1940

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