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Loan and Mortgage Products

Mortgage Loan Refinance
Mortgage Purchase
FHA Mortgage Loan
No Income Verification Mortgage Loan
Negative Amortization Mortgage Loan
Bad Credit Mortgage Loan
Foreclosure Buyout
Divorce Buyout
Debt Consolidation Mortgage
5% to 10% Down -- No Mortgage Insurance


Mortgage Loan Refinance
When refinancing your home loan there are many things to consider. We offer fixed rates mortgage loans, adjustable rates mortgage loans, and we can tailor our loan programs to specifically meet your needs. Most loan programs have no pre-payment penalties. Whether you're looking to reduce your term, lower your interest rate or both, talk to us today. We will put together a program that will keep your overall financial picture in mind and will also meet your cash flow needs today, tomorrow and in the future.

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Mortgage Loan Purchase
Would you like to own your own home? We offer first time homebuyers mortgages loans, as well as current homeowners, an opportunity to obtain a pre-approval and secure financing within minutes. We can help you determine what price range will fit your budget. We will also provide you with an actual loan commitment letter for you to give your realtor while you're shopping, giving you more control of the purchase process. We can assist you in purchasing a multi-family home (2-4 family properties), and when purchasing a second home or an investment property, we can assist you with little or no money down options. If your prior credit history has prevented you from purchasing in the past we will work with you to provide different options for obtaining a mortgage loan. We even have the ability to get you a mortgage loan with no income verified.

We offer you the ability to purchase your home loan with an interest rate buy-down to give you assistance during the first 1, 2 or 3 years of homeownership, keeping your rate lower.

Do you have good credit? You may be able to buy a home without putting any money down, as 100 percent financing programs are available. We can work with you if you are receiving seller concessions, whether you are having the seller pay points to lower your rate or cover the closing costs for you.

If you want to find out exactly what you can afford and qualify for the answers are only a phone call away-call us now!
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No Income Verification Mortgage
This mortgage loan program is for borrowers who have trouble documenting their income with W-2's, 1099's, or Federal Tax Returns (1040's). For employment situations such as self-employment, borrowers with multiple sources of income, or income that is not documented with written proof, we offer no income verification programs. With your outstanding credit, many of these programs are priced close to conventional loans, and with less-than-perfect credit we can provide an option for you where other people will say no.
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NEGATIVE AMORTIZATION
This is a loan program for those of you who have income that is high but not consistent. This loan program is a cash flow tool that isn't right for everyone. However, if you need to keep your payments extremely low on a monthly basis, yet still want to have the ability to make large principal pay downs as income is received, than this may be the perfect answer--talk to us today about whether a negative amortization loan is right for you.
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160 Doyle Road• Holden, Massachusetts 01520 • Phone 888-442-2274• Fax 508-852-4112