Pre-Approval Programs – Allows us to obtain a Pre-approval of your home loan application before you find your New home. Your offer will more likely be accepted or you will be the first in line for any backup offers.

Conforming Loan Amounts up to $ 417,000.00 and Jumbo Mortgages up to $ 1,500,00.00 or More – This will able you to obtain your home loan that fits your needs. We will guide you through the variety of programs and products to able you to get the lowest available pricing.

Stated Income – Allows you to purchase that dream home with out the hassle of verifying your income. Most successful business owners write off a lot of their expenses at the end of the year on their taxes, causing very little net income to be used for qualifying for a loan.
You also see this with borrowers that make tips, bonuses and commission as their sole form of income. These people would want to use a Stated Income Loan.

Zero Down on conforming Loan Amounts - For some people, putting no money down on a house may be the only way to buy one, and there are several advantages for some borrowers to get a no down-payment mortgage. First-time home buyers may not have enough saved up for a 20% down payment or might want to use the money they’ve saved for other uses like buying furniture or other necessities for their new home.

Imperfect Credit Programs - Potential for reestablishing credit if you pay your mortgage on time. Then used for debt consolidation, you may be able to reduce your monthly debt payment Higher rates Terms may not be as favorable Harder to get long term fixed loans. Some may have prepayment penalty.