Our Mission

Purchases, First Time Buyer Programs, Refinance, Home Equity, Home Improvement, and Home Construction Loans are still available! Happy Borrowers' are the most important thing to me ! My goal is to make the loan process as simple and worry-free as possible. I pride myself in offering the highest level of customer service and appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage or second mortgage, my purpose is to satisfy your needs. I accomplish this by putting you first and I assure you a pleasurable mortgage experience.

About Us

Putting customers first! We pride ourselves on providing superior customer service and creating satisfies customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers. Lower mortgage costs through cutting-edge mortgage origination technology! Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available. In a rush? We welcome you to try our mortgage calculators. The internet, advanced mortgage processing software, and automated mortgage underwriting systems are coordinated to speed the mortgage process and deliver the best rate and terms. Highest quality mortgage services! From mortgage processing and underwriting, to loan closing and funding, our expert mortgage staff will efficiently expedite your entire transaction. We'll keep you informed every step of the way. We're committed to building rewarding, long-term customer relationships.

What is a Mortgage Broker?

A “mortgage broker” is essentially a middleman between the borrower/homeowner and the bank or mortgage lender. They work directly with both the consumer and the bank to help borrowers get approved for a mortgage, whether it be a purchase or a refinance. The mortgage broker acts as a liaison between two important entities. The borrower/homeowner end is the retail side, while the bank/lender end is the wholesale side. So how does it all work? Well, once a borrower makes contact with a mortgage broker and agrees to work with him or her, the broker will gather important information. Things like income, asset, and employment information are necessary to assess the borrower’s ability to obtain financing. A retail bank would collect the same documentation. Once the mortgage broker has all the important details, they can assess what would work best for the borrower. This may include setting an appropriate loan amount, loan-to-value, and determining which loan type would be ideal for the borrower. Of course, the borrower can decide on all these things themselves if they so choose. The broker is just there to help.

What is a Mortgage Rate Shopping?

After all the paperwork is taken care of, the mortgage broker will work on behalf of the borrower to find the best (lowest) mortgage rates available. This is the key advantage of a mortgage broker. They have the ability to shop with numerous banks and lenders to find the lowest rate or the best loan program. If you use a traditional retail bank, the loan officer can only offer loan programs and corresponding rates from a single bank. Clearly this would lessen your chances of seeing all that’s out there. And who wants to apply more than once for a mortgage? Keep in mind that the number of banks/lenders a mortgage broker has access to will vary, as brokers must be approved to work with each individually. In other words, one mortgage broker may have access to Wells Fargo’s wholesale mortgage rates, while another may not. The more options the better. So ask the broker for multiple quotes from as many lenders as possible. Mortgage brokers work with borrowers throughout the entire loan process until the deal is closed. Overall, they’re probably a lot more available than loan officers at retail banks, since they work with fewer borrowers on a more personal level.

Banks vs. Mortgage Brokers

If you're buying a home, chances are you'll need a mortgage, but did you know there are big differences between mortgage brokers and bank loan officers? Bank Loan Officers The loan officers at a bank, credit union or other lending institution are employees who work to sell and process mortgages and other loans originated by their employer. They often have a wide variety of loans types to draw from, but all loans originate from one lending institution. The loan officer takes your application and works to find a home loan that suits your needs. If your personal credit is approved, the officer moves forward to process the purchase. Mortgage Brokers Mortgage brokers are professionals who are paid a fee to bring together lenders and borrowers. They usually work with dozens or even hundreds of lenders, not as employees, but as freelance agents. Think of mortgage brokers as scouts. They find and evaluate home buyers, analyzing each person's credit situation to determine which lender is the best fit for that person's needs. The broker submits the home buyer's application to one or more lenders in order to sell it, and works with the chosen lender until the loan closes. A good mortgage broker can find a lender for just about any type of credit. The mortgage broker working to secure your loan is earning a fee for the transaction. Many of the mortgages companies that advertise online are mortgage brokers. What Difference Does it Make? A local or online mortgage broker may find you a lender in another part of the country. An online bank might not have a local office where employees can help you one-on-one. Some out of town lenders don't understand the types of heating systems used in specific areas, they aren't familiar with private septic systems, and they don't immediately understand common classifications and terms used by local appraisers. Those are just a few examples of problems I've seen that caused significant slow-downs in loans made by an out of town lender working with a mortgage broker. Using a local bank can sometimes be a plus. Their staff generally understand the specifics of local properties, but a distant lender who doesn't will delay closing until questions are answered. Mortgage brokers can often find a lender who will make loans that a bank refuses--problem credit is one example. Loans for unique or commercial properties might be easier to secure through a mortgage broker. Make your choice of a lender based on the best loan terms you can find. Ask questions about expected time-frame.

Loan Products Availble

FHA 203K Rehab Loans · Cash Out Re-Finance Loans · Rate & Term Refinance Loans · Full Construction Loans / Additions Kitchen and Bathrooms · Refinance · Home Equity · Reverse Mortgages