Residential Loans

• HUD/FHA Mortgages - A mortgage that is insured by the Federal Housing Administration (FHA). Also known as a government mortgage, designed exclusively for owner occupied loans.  Very flexible underwriting guidelines, an excellent choice for First Time Buyers or repeat buyers.
• VA Mortgages – (Veteran Affairs) 100% financing option for veterans of the US Armed forces, closing costs can be paid by the seller to minimize the amount needed at closing.
• 1^st Time Homebuyers – These products are designed specifically for borrowers who are purchasing a home for the first time.  They do not have very strict underwriting guidelines and may allow a borrower to close with very little funds.
• Flexible 100 – A conventional loan that allows a borrower to purchase a home with no money down and very little closing cost.
• Refinance – Lower the payments on your current mortgage or even pull cash out of your home by doing on of our simple refinance loans.  There is very little paperwork necessary to close on a refinance.
• Self-Employed/Stated – Having trouble showing your income?  Use one of our stated income loans to qualify.  On a stated product you simply “state” your income and you may qualify for a home loan.  If you meet some other criteria you may even qualify for 100% financing.
• 203k/Homestyle – You can easily make repairs or just give your home a facelift with our 203k/Homestyle financing option.  You can refinance and get the money needed to make changes to your home, or you can purchase a home and bring it up to your personal standards.

• Investor Loans – Investor loans are designed for those who are purchasing property for profit.  We have many investor products ranging from 10 percent down to 100 percent financing.

• Jumbo Mortgage – Jumbo Mortgages are designed for loans that exceed $333,700.00.  The LTV on a jumbo loan can range from 80% to 100%.  We have the capability to lend in excess of  $10,000,000.00
• Relocation Loans – Designed for clients who are relocating to any area that our company serves.  An option that makes the relocation process seamless, all you have to do is secure employment in the area you are moving to and meet a few other minor requirements and you can purchase a home immediately.

Commercial Loans

• Apartments

• Dry Cleaners

• Auto Shops

• Funeral Homes

• Beauty Shops

• Laundromats

• Church Loans

• Office Buildings

• Day Cares

• Restaurants

• Dental Offices

• Retail Space

• plus much more . . .