GET ONE STEP CLOSER TO HOME

Let’s match your needs with the right mortgage!

WHY CHOOSE US

The right mortgage is waiting for you

But it won’t wait long. Take the next step toward home right now.

Mortgage Pre-Approval

With our quick and easy process, you’ll know exactly how much you can borrow and gain the confidence to shop for your perfect home.

House Shopping

We provide you with personalized support, insights on the best neighborhoods, and tips to negotiate like a pro!

Loan Application

From gathering documents to signing the final papers, we’re here every step of the way.

OUR SERVICES

We’ll find you the best mortgage solution for your specific goals.

FHA Loans

Federally insured loans with low down payment options and less stringent credit requirements.

Low down payment requirements

Flexible credit requirements

Seller or gift-money contribution

New Home Construction Loan

Federally insured loans with low down payment options and less stringent credit requirements.

Low down payment requirements

Flexible credit requirements

Seller or gift-money contribution

Fixed-Rate Mortgage

A mortgage loan with a fixed interest rate.

Peace of mind

Easy to understand

Flexible mortgage terms

Refinancing

Replace your existing loan with a new loan that aligns with your specific goals.

Pay off your mortgage faster

Flexibility to finance closing costs

Convert home equity for cash

ABOUT US

We've been helping customers afford the home of their dreams for many years and we love what we do.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

FAQ

Everything You Need to Know: Answers to Common Home Buying Questions!

How much should I save for a down payment?

While the traditional down payment is 20% of the home’s purchase price, many loan programs allow for lower down payments, ranging from 3% to 5%. It's essential to assess your financial situation and discuss your options with a mortgage broker to find the best plan for you.

How long does the home buying process take?

The home buying process can vary widely, but on average, it takes about 30 to 60 days from making an offer to closing the sale. Factors like financing, inspections, and negotiations can impact the timeline, so it's crucial to stay in close communication with your real estate agent and lender.

What are closing costs, and how much should I expect to pay?

Closing costs are fees associated with finalizing your mortgage and purchasing a home, typically ranging from 2% to 5% of the loan amount. These costs can include appraisal fees, title insurance, and loan origination fees. It's essential to budget for these expenses in addition to your down payment.

What types of mortgage loans are available to homebuyers?

Homebuyers can choose from several types of mortgage loans, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and USDA loans. Each type has different terms, interest rates, and eligibility requirements, so it's essential to discuss your options with a mortgage broker to find the best fit for your financial situation.

What should I look for during a home inspection?

During a home inspection, look for any major structural issues, plumbing and electrical systems, roof condition, and signs of pests or mold. It's also important to check the heating and cooling systems, windows, and insulation. A thorough inspection can help you identify potential problems and negotiate repairs or credits with the seller.