We offer a wide array of mortgage products to fit most situations. Below are different types of mortgages we offer:

First Time Home buyers: Buying a first home can be a huge step and we make the mortgage side of it as easy as possible. We explain choices in easy to understand terms and offer a multitude of loans to meet the needs of the 1st time buyer.

Relocation Buyers moving into the area: We are experienced in making a big move simple so you concentrate on the other issues with moving. There are many products we can use as a bridge type loan while you are selling your other residence. We can even offer mail away closings or power of attorney closings in case you are not available for closing. Much of our process can be done by email or fax which also simplifies everything for you.

Construction / Perm loans with extended rate locks and one closing up front: When building a home, we can offer a one time closing up front which limits the closing costs to just one closing rather than two. We use the appraised value of the home and land, which in many cases allow one to put very little down if any. Also, we offer extended rate locks to protect against rate hikes in the market.

Investment property purchases or refinancing: Investing in real estate has become very popular after sub par performances of the stock market. We offer strong programs for financing on investment properties or vacation homes. We can usually offer most programs for investment properties, including interest only or Option Arms.

100% financing on many types of property: You don't have to be a 1st time buyer to borrow 100% of your purchase price. We have countless programs for 100% financing and in many situations we can show you ways to avoid pmi and still borrow 100%.

Log homes, modulars, condos (warrantable and non-warrantable), unique properties, jumbo or conventional loan size: There are many programs which offer great rates and programs for any of the above type properties.

Lowering your rate or term by refinancing: We have many options to help you lower your current interest rate and we will analyze which option works best for your goals and situation.

Cashout for debt consolidation, home improvements, or investments: We can refinance your home for any of the listed purposes. We will evaluate if it is better to close a new 1st mortgage or just a new 2nd mortgage to accomplish your goal.

Equity Lines with zero closing costs: Lines of credit offer flexibility for a borrower to access equity in the house with possible tax benefits and a low rate.