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

Bad Credit Credit Mortgage Loan
Regardless of your bad credit situation, we will work hard to get you the financing you need. Let us help you get back on track and start saving money. If credit card bills are burying you in debt, if you are at the point where you can't make your monthly payments and you're continually behind without the ability to bring your debts current, you may be able to use the equity in your home to get back in control of your finances. We have the ability to put together a program that will allow you to get back on your feet, but most importantly will help you repair your damaged credit. Even if you have had a prior bankruptcy or foreclosure, we will work with you. When other banks have told you "no", give us an opportunity to tell you "yes". Regardless of your situation, we will put a package together or give you honest advice about what you need to do to solve your financial problems.
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FORECLOSURE BUYOUT
When your current lender has notified you that they are starting foreclosure proceedings call us right away. This program is designed to use the equity in your house to prevent you from losing your home. Talk to one of our loan officers about the options available to you with a home saver program. We will work with your attorney and your current lender to get a program put together so that you can not only keep your home, but afford to stay there as well.
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DIVORCE BUY OUT
In today's society, many things do not end up the way we intended them to. If you're in a situation where your divorce decree or separation agreement requires you to buy out an ex-spouse, talk to us today. We can provide you with a way to get the equity out of your home to pay off your ex-spouse while keeping payments at a level that you'll be able to obtain on your own. Call us; we'll put together a program that will work for you and your ex-spouse. We have licensed appraisers that can estimate a fair value for your home and help you reach a figure that is fair for both parties.
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DEBT CONSOLIDATION
When looking to consolidate your debts, you can refinance your current home and convert your high interest debt into one low monthly payment. You may benefit from tax-deductible interest as well*. You may also benefit from a cash flow point of view. Talk to us today about how we can put a program together that may provide the best of both worlds for you.

Let us show you the actual savings per month, specific to your debt structure. We will provide amortization schedules and consolidation spreadsheets so you can see how you will benefit and how much you will be saving today and over the entire life of the loan.

Many people look only at the interest rate when considering a debt consolidation or a refinanced mortgage. Many times cash flow is equally important. Let us put together a program for you today to show you the benefits of cash flow savings.

Utilize the equity in your home as a way of eliminating credit card debt, student loans, or other non-deductible installment debt. You may also be able to use the savings to reduce the amount of time left on your mortgage.

* Check with your accountant.
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5% TO 10% DOWN - NO MORTGAGE INSURANCE

This program gives you the ability to avoid private mortgage insurance without having to put down 20%. By combining a first and a second mortgage, it enables you to avoid private mortgage insurance. Talk with our mortgage specialists today to see if this program would benefit you.
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