First… We help families and clients navigate the real estate & mortgage journey bringing clarity to an otherwise confusing & overwhelming process. Whether a first time home buyer, move-up or down-sizing, vacation/second home owner or investor; purchasing or refinancing, including both traditional & non-traditional and stated income & no-income programs.
We are here to serve YOU!
Next… We help R/E Agents & Brokers, Law and Financial Services Professionals do more business and serve their clients with 5-Star attention & expertise.
We recognize that each family’s needs are unique… and with you, we will explore your hopes and dreams to find out exactly how we can best serve your family.
Our promise is to advise and coach each of our client-families with honest, consistent communication. For each and every home and the loan associated, we shop the depths of the market for you and then the lenders and investors all over the country for the most competitive loan programs and rates available. Our success is measured by the life-long relationships we have the privilege to develop and nurture. As a result, the families we serve become raving fans who cheerfully refer us to their friends, clients and other family members to whom we offer with the same unmatched levels of personal attention and five-star service.
FIRST TIME HOME BUYERS
We know how overwhelming the process of buying a home is, especially if it is the first time that you’re doing it. We will work closely with you to explain the process, to protect you from making mistakes that could cost you later, and to ensure that your mortgage gets approved and you get the home that you are so excited to be buying!
MOVE UP AND SECOND HOME BUYERS
Buying a new home when you currently own one has its own unique set of concerns. We can answer all of your questions about how to qualify and purchase a home when you already own one whether you’re buying a new primary residence or a second vacation home.
The family needs have changed and buying a smaller home also has its own unique set of issues. We can answer all of your questions about how to qualify even if your current home hasn’t sold yet.
REAL ESTATE INVESTORS
If you’re buying real estate for investment purposes, we can help you structure the investment and secure low rate financing to maximize your ROI. Whether single family homes or multi-unit properties, we have access to the latest properties and programs to achieve your investment objectives.
REFINANCING HOME OWNERS
If you already own your home but you are looking to refinance to either save money with a lower interest rate or possibly take cash out for any reason, we can help you with that. We also can show you how to make sure you are structuring your new financing to get the best terms possible.
REVERSE MORTGAGES FOR SENIORS PURCHASING OR REFINANCING
If you are 62 years or older and are looking for options to purchase a home and have no house payment or you want to finance your existing home to eliminate your payments and/or access your home’s equity while still living there, we can answer your questions about reverse mortgages so you can understand just how ideal the reverse program is for most seniors.
RENOVATION – REMODEL – REHAB OPPORTUNITIES
Renovation home loans are like a mortgage and a construction loan rolled into one, with a single closing process. Through these programs, borrowers can obtain financing to cover the cost of the home purchase (or refinance) as well as the cost of renovation or rehab. This makes them well-suited for home buyers who want to buy a fixer-upper. In most cases, the loan amount is based on the future value of the home after rehab or renovation. This also allows you the flexibility of purchasing a home that may be is less-than-ideal condition but in a desirable area and you turn it into your perfect home with a HGTV-style remodel!
NON-TRADITIONAL & DIFFICULT TO DOCUMENT INCOME BUYERS & LOANS
Many home-buyers and borrowers, especially the self-employed and those with multiple income sources find it difficult to qualify for traditional conventional mortgages. We specialize in non-traditional income and asset qualifying whether that be with just bank statement deposits, asset depletion for income, stated-income loans, loans against securities or bonds (without cashing them in) and other unique solutions including business, personal and hard-money lending. If there is a way, we’ll find it!