Which loan is in your best interest?

Our most popular programs are Fannie Mae and Freddie Mac - offering the best pricing for performing borrowers with good credit history.

VA, FHA, and USDA loans are guaranteed by US Government offering affordable access to borrowers with credit challenges and low/no down payment.  VA loans for veterans have low rates and zero down payment.

Real estate loans built for the investor that only consider the cash flow and expenses of the subject property (up to 12 units) and can be financed in an LLC for asset protection or if multiple principals.  Ideally your mo. income is 25% > than the mortgage payment (PITIA). 

Loans designed for seniors (62 and older) who have at least 40% equity and wish to stop paying mortgage payments monthly OR have a free and clear home and want to access the equity via: 

1. Credit Line 2. Mo. payments 3. Both.

They retain ownership and lender keeps track of payments due to be paid off when borrower sales home.  If proceeds don't cover accrued interest forgiven - can't owe more than home's worth.

Financing for investors who need to close in 10 days or less on a subject property typically in need of repairs prior to conventional financing.  Terms range from 6-24 mo. up to 75% LTV.  These are usually equity based loans that require no proof of income like conventional and government mortgages.  LLC's are preferred entity w/ personal guarantee (recourse).

This includes Home Equity Lines of Credit (HELOC) and Home Equity Loans (HELOAN).  The difference is the first one is variable rate and if paid off/down still available similar to a secured credit card.  HELOANs are treated like an installment loan with a fixed interest rate.  Terms available are 10, 15, 20, 25 and 30 years.  Both are great way to access equity and protect your low rate first mortgage!