When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you.

Buying a new home is a source of anxiety, frustration -- and a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there.

Refinancing your current mortgage has never been easier. If you thought refinancing meant getting buried under mountains of paperwork, think again! We make it easy and worry-free to reduce your interest rate and monthly payment. We can even help you pay down your balance more quickly for comparable monthly payment. Let our professionals guide you to the very best refinanced loan!

Do you owe more then what your home is worth?  Not to fear with the new SHORT-PAY REFINANCE PROGRAM it allows the borrower to keep their home, lower their monthly payments, and eliminate the upside down equity in their homes by reducing their principal balance.

The transaction itself is basically a three part process. Negotiations are done by us the broker in conjunction with the borrower and the lien holder. First we need to establish the actual current value of the home. Next, we run the FHA approval on you at the maximum loan to value for that new value and issue an approval. Now, armed with our comps at current market value and our approval, WE enter into equity re-negotiations with the bank/loan servicer for a discount on the current mortgage. Once the bank/loan servicer accepts the offer presented, we can complete the new loan transaction.