I work directly with the bank.  This ensures the lowest qualifying rate lock down for my clients and faster turn around time.  With my own in-house Processing and Underwriting departments....loans close quicker and more accurately.  No middle man here!  You're working directly with the bank, that is why we offer Bank Rates to our clients.  These rates will always be lower than what any mortgage broker can even come close to offering you.

FHA, Conventional, USDA, Construction-To-Permanent, Commercial, Reverse Mortgages, JUMBO Loans, HELOC, 203k Rehab Loans, & All Qualifying Government Programs.

FHA - Loan: is a Federal assistance mortgage loan in the United States insured by the Federal Housing Administration. The loan may be issued by the federally qualified lenders. FHA loans have historically allowed lower income and/or credit Americans to borrow money for the purchase of a home that they would not be able to obtain through a conventional mortgage. FHA is primarily a mortgage for people who cannot afford a large down payment or otherwise do not qualify for a conventional mortgage.

FHA – Secure: is a Federal Housing Administration refinancing program. It is similar to the FHA–Loan. FHA–Secure is a refinancing option that gives homeowners with non-FHA adjustable rate mortgages (ARMs) into an FHA-insured mortgage. So loan as you are current on your mortgage and have sufficient income to make the mortgage payments, you are eligible for an FHA-Secure refinancing program. By refinancing into an FHA mortgage, you can expect to pay lower monthly payments. 

Conventional Fixed Mortgage: is a mortgage that is not insured or guaranteed by the government. A conventional mortgage is a housing loan that is generally on a fixed interest rate term (although it can be an adjustable rate) and which generally meets the Fannie Mae (Federal National Mortgage Association) or Freddie Mac criteria and guidelines. They can also be called conforming loans.

ARM: An adjustable rate mortgage, called an ARM for short, is a mortgage with an interest rate that is linked to an economic index. The interest rate, and your payments, are periodically adjusted up or down as the index changes.

203K Rehabilitation Mortgage: is a limited repair program which allows homebuyers to finance up to additional $35,000 into their mortgage to improve or upgrade their home before moving in. Learn More

$100 Down Payment HUD Home Program: is a HUD (the US Department of Housing and Urban Development) limited-time sales incentive program which allows qualified buyers to buy HUD homes with a down payment of only $100.

Licensed States (Conforming, Jumbo, VA #: 7000520000):

AL,AZ,AR,CA,CO,CT,DE,DC,FL,GA,IA,ID,IL,IN,KS,KY,LA,MA,MD,ME,MI,MN,MS,

MO,NC,ND,NE,NH,NJ,NM,NY,OH,OK,OR,PA,SC,SD,TN,TX,VA,VT,WA,WI,WV,WY

FHA Licensed states:

CO,CT,DC,DE,GA,IA,IL,IN,KS,KY,MA,MD,MI,MO,NC,NE,NH,NJ,NM,NY,OH,PA,

RI,SC,TN,UT,VA,VT WI,WV,WY

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