Loan Options & Today's Best Rates

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In buying or refinancing real estate the most critical part of the transaction is the financing because it is what makes it affordable. We make it simple and affordable by selecting the best lending options for your real estate plans. Real Estate agents, we are your partners to fund & close on time.  The following are reasons for working together & help you go forward:

• Refinance: restructure the current mortgage loan, remove mortgage insurance, switch from government loans to conventional, have better terms, and more manageable payments
• Payoff HERO & PACE Loans: Refinance & payoff expensive home improvements, solar panels, and other things that are paid via property taxes. Return savings back to normal. 

• Probate Refinance: Don't sell the house and keep it in the family plus save thousands of dollars in real estate commissions; you will not need a down payment!
• Probate Purchase: buy any property type with a low down payment 
• Purchase: first time buyer, growing family, step up to better or bigger residence, investment and many more reasons
• Rate Reduction: current interest rate high, swap adjustable rate mortgage to fixed rate, or take advantage of current historical low rates
• Equity Loans 2nd Trust Deeds - use the equity value of the property  

• Home Improvements: additions to the property, renovation, increase curb appeal, and improve market value 

• Debt Consolidation: combine all debts into one single payment, get rid off non-deductible consumer high interest rates, and increase tax write-offs
• Mortgage Consolidation: put all mortgages into one manageable payment and save    
• Money for School Tuition: pay for college or other education opportunity
• Cash for Any Reason: take a vacation, put money in the bank, or start a business, etc.
• Down Payment Assistance: the entire purchase price is financed with 2 loans. The down payment is covered by a 2nd trust deed loan.
• Commercial Lending: apartments, strip malls, service stations, etc.
• Reverse Mortgage: planning retirement, current age is at least 62 years, and do not want anymore housing payments & options for 55+ years of age.​

You may have other reasons to need a mortgage loan and whatever those are we will improve your present financial condition rest assured.

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We have loans for all types credit and income verification including the following:

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Credit

• Excellent: no delinquency on credit past or present
• Recent Bankruptcy: Chapter 7 or Chapter 13 

• Foreclosure: lost house & want a fresh start with new residence
• Slow Pay: some derogatory accounts but overall good credit
• Short Sale: sold house for less than owed due to the economy

Income

• Verify Income: using tax returns & pay stubs
• W-2 Only: no deductions to income due to IRS form 2106 expenses
• Self Employed: verify using bank statements or profit & loss statement
• Investor Rental properties - use rental agreements only 

We have the right loan for you all you have to do is contact us to find the best option for you when buying or refinancing. 

Lending programs include:

• 30 year fixed rates
• 20 year fixed rates
• 15 year fixed rates
• 10 year fixed rates
• 5 year, 7 year & 10 year fixed - adjustable rate mortgages
• Temporary Rate Buydown - fixed rate mortgages
• ​FHA down payment assistance 
• FHA streamline refinance with no appraisal 
• FHA Traditional for purchase or refinance

• VA loans for purchase or refinance - click here for details
• ​Alt Doc - bank statement, rents only, no income, etc.
• Self Employed - alternative income documentation 
• ​Conventional for single family residence & 2-4 units 
• Commercial - without using income tax returns ​

When searching for simply the best loan option, we have it.  Call us for other lending products you may be looking for; we will assist you. We look forward to becoming your source for real estate lending.

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Market Rates are Rising but Ours are Competitive! 
¡Nuestros Intereses son Los más Bajos de La Industria! 
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Call Today For a Quote!

213-989-0990​