Find Your Perfect Mortgage
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.
If you owe 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!
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.
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.
The USDA Rural Development Home Loan allows qualiﬁed borrowers to purchase or reﬁnance 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.
The Jumbo Loan Program is a type of Adjustable Rate Mortgage (ARM) that offers loan amounts 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.