ABOUT US

We would like to thank you for visiting your site! Our goal is to help you receive the best loan rates and service possible. Please fill out our free form to begin a formal conversation with one or our qualified mortgage specialists.

Below are a few common questions and their answers

Can I get a mortgage loan to pay off my credit cards?

Your can use the money you get from our mortgage specialists to do whatever you want! Just remember, they expect you to pay it back, and they charge interest, so you’ll want to make sure you provide the specialist with an accurate picture of your total financial situation so they can give you the best advice possible!

What is included in my closing costs?

• Lender fees including: points, appraisal, credit report, underwriting, settlement and tax service fee.
• We’ll make sure you receive an accurate and easy to read Good Faith Estimate to clearly show you all of
  the costs of the loan, and the true interest rate.
• Prepaid Items: interim interest, real estate taxes and insurance premiums.
• Settlement costs: title insurance, settlement/attorney fees, city/county/state
  taxes, and recording and messenger fees.
  

How can I speed up the process of closing a loan?

Please do your best to accurately complete all sections of our online application, from there all you need to do is provide the documentation and information that the mortgage specialist who calls you requests, many times we are able to go from initial inquiry to a closed loan within 10 days!

What documents do I need to give the lender to close the loan?

• Fully executed purchase agreement on purchase loans
• Recent income documentation (or ask us if you can just state your income)
• Insurance policy information.
• Any outstanding items requested by the lender.

Can I get a loan even if I have bad credit?

While good credit is important, your credit does not have to be perfect. There are so many different programs available that many people think they can’t buy or refinance their home, just fill out the form and let one of our specialists help you, we are confident you will be satisfied!

I have excellent credit; can’t I get a better rate at my bank?

Many times local banks work hard to offer mortgages in addition to their normal banking activities; however we only with mortgage specialists that work ONLY in the mortgage business, as a result, their volume of business is greater and their expertise is unsurpassed by banks. As a result, our mortgage specialists know of loan programs that in almost every case offer lower interest rates than a local bank. Since our service is completely FREE, give it a try, we don’t even ask for your Social Security Number and won’t pull your credit unless you specifically tell us to.