And we know how to make the home buying and home refinancing process less stressful, and more gratifying.  We pay attention to your needs, treat your loan as an individual and special opportunity to get you what you want. 

This ensures that the process will run efficiently and quickly.  You can rest assured that when you call our office, you will immediately speak to someone who is familiar with your file.  Try that with a big bank!

Here are just some of the numerous programs we offer to make your dream possible:

Alternative Credit Programs

Loan programs suited to meet the needs of clients who have had credit issues, bankruptcies, collection, etc.

Conventional, Conforming & Jumbo Fixed

10, 15, 20, 25, 30 year loans.

3/1, 5-1, 7/1, 10/1 ARM

The first number represents the number of years the rate will be fixed a the initial interest rate.  After the initial fixed rate period, the loan converts to an adjustable rate loan.  The second number represents the fact that the interest rate will adjust tone per year after the initial fixed rate period. 

Interest Only

Financing that requires only the repayment of interest for a designated amount of time 3, 5, 7 or 10 years,.

First Time Homebuyer Programs

Programs designed for those people buying their first property or who haven’t owned a principal residence in the past three years.  These programs offer a minimal down payment  and can be combined with Down Payment Assistance programs. 

Zero Down Programs

For teachers, health care workers, and safety professionals.

Home Ownership Accelerator

The concept is surprisingly simple: The Accelerator combines all your checking, home loan and home equity line accounts into one master "loan sweep account" that automatically transfers all deposited cash against the loan balance each day in order to save mortgage interest. That's it! This simple change better leverages your cash flow, potentially saving you thousands in interest over the next decade. And, your funds remain available 24/7, just like with your old checking account today.
The Home Ownership Accelerator breaks with mortgage tradition by giving you, the borrower, the power to reduce your debt more aggressively. Traditional mortgages make it easy to get into debt, but offer no tools to help you manage the debt down. The Home Ownership Accelerator does help reduce debt more quickly, simply by putting all your personal income to better use.