Mortgage Loans Made Easy

As a Mortgage Brokerage, we work for YOU the borrower, not the big banks!

Why use a Mortgage Broker vs your bank?

  • We do all the calling & researching for you so there will be more loan program options

  • lower rates to choose from.

  • We can close on your home quicker then any bank!

  • Mortgage loans are our specialty!

So many choices! Let us do the research and select the best option for you.

Which loan is best for me?

Paying too much for you current home? Consider a Refinance!

Things to consider:

  • Todays interest rates

  • The cost to refinance the loan

  • How long I plan on staying in the home

  • Can I qualify (income & credit score)

  • Your goals and motivation

  • What is the homes value today vs when I bought it (equity)

  • Use a cash-out refi to pay off debt

What would my payment be if I refinanced?

Use our calculator for an estimate:

Take advantage of historically low rates!

DOWN PAYMENT ASSISTANCE (DPA)

There are different programs available which give you money towards your down payment and closing costs, and if you qualify....the best part?

YOU DON'T HAVE TO PAY IT BACK!

DPA Examples: Click on links below or "Find Out How" button for more info

"Home Is Possible"

These grants are up to 5% of the loan amount, a credit score of at least 640 or 680 for conventional loans, and income requirements (changes annually). Small one-time fee & must complete a homebuyer education course*

"Home at Last"

The program offers different grant options with down payment assistance. Call for minimum credit scores and income requirements

Doctors, teachers, & police officers can qualify for special home buying programs.

DID YOU KNOW?

  • A 1st-time homebuyer means that you haven’t owned a home in the past 3 years? So you may qualify as a first-timer home buyer!


  • Fixed-rate mortgages keeps your interest rate the same over the life of the loan, so your monthly payment stays the same.


  • Rental investments can count as part of your income if you've rented it out at least one year.


  • Your interest rate is lower with a better credit score It can take six months to a year to see a positive change in your credit score. Start by paying your credit cards below 15% of the credit limit.


  • Adjustable-rate mortgage (ARM) is where the interest rates can go up or down every year. You must be comfortable with a certain level of risk before getting an ARM! If you don’t plan to stay in your home beyond a few years, an ARM could save you big on interest payments.


  • Good Neighbor Next Door Program thanks police officers, firefighters, emergency medical technicians, and teachers for their contributions to the community. More of a discount than a loan, participants receive a reduction on the price of their home.