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Conventional Mortgages

Our team of mortgage professionals will closely analyze your unique situation and ensure that you are getting the very best products at the very best rates. We know how to get our clients the most competitive rates.

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HARP

If you are owing more on your mortgage than the current value of your home, taking advantage of the Federal government’s Home Affordable Refinance Program (HARP) may allow you to refinance your mortgage at a lower rate and save money. There is no appraisal required in most cases and you can refinance up to $417,000 (or more in high-cost areas). You can also fold the closing costs into the loan itself. Even if you’ve been turned down for a HARP loan in the past, now may be the time to see if you qualify!

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FHA Loans

This is the ideal solution for those who own or want to purchase a property that is in need of renovations or repairs. With the FHA 203(k) Streamline loan you can borrow up to $35,000 in additional financing for home improvement projects intended to improve single family properties. Use the provided funds to repair or replace electrical, plumbing, your roof, flooring or to even remodel your kitchen or bathroom. You can even invest in lower energy costs by replacing your windows, doors, or adding insulation. This home improvement loan is is limited to non-structural renovations.

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VA Loans

The VA Loan program is intended for Veterans and surviving spouses. It gives you the ability to finance up to 100% of your properties value up to $424,100 (or more in high-cost areas), or refinance, with no money down, no appraisal fee, and no private mortgage insurance (PMI) premium. You are even able to fold your closing costs into your loan. Refinance with minimal paperwork in as little as 21 days! Those with low credit scores are also accepted from qualified buyers.

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USDA Loans

The USDA Rural Development Home Loan allows qualified borrowers to purchase orrefinance a designated U.S. Department of Agriculture rural property for up to 100% loan-to-value with a 30-year-fixed-rate mortgage. USDA Loans are not limited to first time homebuyers and do not require a down payment. Flexible credit guidelines will apply to the typical USDA Loan.

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Jumbo Loans

The Jumbo Loan Program is a type of Adjustable Rate Mortgage (ARM) that offers loan amounts of up to $2 million for owner-occupied purchases, up to 2 million for an owner-occupied cash-out refinance(with maximum cash out of $250,000), and up to $1.5 million for a 2nd Home purchase or rate/term refinance. This loan is perfect for those requiring an ARM loan with funding up to $2 million.