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Purchasing a home is an exciting and often fulfilling time in one’s life. Let us take the stress out of this venture! Whether it is a primary residence, a second vacation home, or a rental property; we will not only find the right product for you, we will help you choose the right financing for your individual needs. With access to over 340 lending partners, we have access to FHA, VA, USDA, Agency and Private lending platforms. We offer FHA, conventional, non-conventional, jumbo, ARM’s, and other unique lending products.

Products are subject to investor guidelines and underwriting requirements. All products are compliant with current mortgage laws as set forth by the Consumer Financial Protection Bureau including but not limited to: Truth in Lending Act, Fair Housing Act, RESPA, Equal Credit Opportunity Act, Fair Credit Reporting Act, Homeowners Protection Act. For a complete list of the Consumer Protection Act, please visit www.consumerfinance.gov.

New Home

Home loans with competitive interest rates from our lender network, You can apply online and check your eligibility with our easy Payment Calculator. Fast approval and lowest rate for your new home loan.

Home Conversion

A home conversion loan is an effective resource for those who have a housing loan.

Land Purchase

We offer various lending products for land purchase. Different products from different platforms ensures the most competitive terms for your land loan.

Home Renovation

Get funding for your home improvement and renovation projects. Apply for one of our “improvement/renovation” products today.

Qualify for the Financing You Need Now

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Features of Our Loans

All loans are not created equal – Let one of our experts find the best one for your needs.

Salaried & Self-Employed

Loan products for all documentation types.

Loans

All charges are communicated up front in writing along with the loan quotation. A very professional and simple service.

Home Loans. Refinance, Purchase, Reverse Mortgage

Numerous loan products to suit all of your borrowing needs.

Home Loan – Eligibility

In your initial interview, your loan officer will give you a good idea of the documentation that you and your co-borrower, if applicable, will likely need to provide. Here is a list of items you’ll typically need after you apply for your home loan:

To Be Provided by all Borrowers:

N

Valid driver’s license or other government-issued photo identification, date of birth, and social security number

N
Most recent statements for the last two months on all checking, savings, stock, mutual funds, IRAs, or other liquid asset accounts
N
Accurate addresses and landlord/mortgage company information for past two years
N
Loan information, including balance, monthly payment, and any rents collected for other real estate owned, if applicable
N
Copy of fully executed sales contract, if available
N
Copy of canceled earnest money check, if purchasing
N
Funds for credit report and appraisal
N
Documentation on any additional source of income to be used in qualifying, if applicable

To Be Provided Depending Upon Your Situation:

N
If you have been divorced, a copy of final decree— particularly the financial settlement page, including alimony, child support, and the division of liabilities and assets
N
Documentation pertaining to any resolved or unresolved credit disputes you may have had
N
Certificate of Eligibility and DD-214 or Statement of Service, if applying for a VA loan
N
If previous bankruptcy, a copy of all bankruptcy papers with a copy of discharge
N
A copy of the settlement statement if you sold property in the last three months
N
Survey of your home, if refinancing a loan
To Be Provided by Salaried Borrowers:
N
Pay stubs for the past 30 days
N
W-2 forms for the past two years, and full federal tax returns for the past two years, including all schedules

To Be Provided by Self-Employed Borrowers:

N
If self-employed or you own more than 25% of a business, copies of business tax returns for the past two years, including all schedules
N

Copies of previous 2 years’ corporate/partnership tax returns if 25% or more of company is owned

N
Year-to-date profit and loss statement and balance sheet
*Depending upon your situation, we may require more or less documentation.

Frequently Asked Questions

Can I pay off my loan early?

Yes. There are no prepayment penalties.

Do you offer refinancing?

Yes! Homeowners enjoy the benefits of investing in their property year after year. For some, there comes a time when that investment can come in handy. Refinancing with a Conventional, Jumbo, or an FHA loan can prove to be an effective way to put that equity to work.

When should I apply?
As soon as you are ready.
Where are you located?
We have offices throughout the United States. Call for a location near you.
Can I apply for a loan at any age?
There is no maximum age of an applicant.
What does my credit score need to be?

We accept credit scores as low as 580.