Residential Mortgages

We help people find their way home

Owning a home is not just the American dream, it’s your dream, and we’ll work hard to make it a reality. That joy you have when you first move in is a joy we want to share with you. You dream about having a place of your own for family and friends to share moments and make memories.

But without the required credit score or down payment, you may feel that the dream is out of reach for you. Or you may have decent credit, your debt-to-income ratio may not acceptable to the lender. In other words, you have too much debt in relationship to the money you have coming in.

Maybe you tried to qualify previously for a mortgage with another company and didn’t get the answer you wanted. It’s only natural to feel some despair. The good news is that we help people find a way to make home ownership a reality.

We start by opening doors

We can help you secure a conventional mortgage loan even if your credit score is only 620, or a non-conventional mortgage loan if your credit score is even lower. We can even help you with advice for raising your credit score or consolidating your debt so that you can qualify.

We can then help you with getting the loan closed – and in a timely manner. Many banks often take as many as six months to approve and process a mortgage loan, we can get it done in as little as four weeks. We can help you save money, too.

FHA LOANS
For lower credit scores and lower down payments

FHA loans require a small down payment (typically 3.5%) and will frequently accept borrowers with lower credit scores. While there are no maximum income limits on an FHA-insured loan, they have typically been used for first-time homebuyers or low-to-moderate income borrowers. The loans are insured by the Federal Housing Administration.

VA LOANS
Enabling military families to buy homes with no money down

For current and former members of the military, a VA loan can be a viable option for securing a home. VA loans typically don’t require any down payment and are frequently made available to active duty or former members of the military with lower credit scores.

Heartwarming scenes from your housewarming party

At the end of the day, what makes all our effort so worthwhile are the photos from your housewarming party that you share with us as a proud homeowner. Because to borrow a line from a classic movie, there’s no place like home.

professional and quality service with a personal touch

I love how they provide professional and quality service with a personal touch. They gave me plenty of options to choose from and recommended what would be best for me and my family.