Mortgages made simple

A popular loan type, conventional fixed rate loans feature a constant interest rate for the life of the life. 

Ready. Set. Home. Move in with 3% down

Don’t have a big down payment? Get a conventional loan with 3% down.

Down payment as low as 3%, even for first-time buyers

Reduce or even eliminate monthly mortgage insurance (not possible with an FHA loan)

Typically faster, easier and with a lower monthly payment than an FHA loan

Use gift funds for your entire down payment

HIDDEN KEYS TO A SMALLER MORTGAGE PAYMENT

Use seller concessions to get a Temporary Rate Buydown

Did you know that seller concessions can mean a much smaller mortgage payment? Use them toward a Temporary Rate Buydown to lower your interest rate at the beginning of your loan…giving you breathing room for repairs, savings and more.

Get the extra flexibility you need — call us today.

Homeowners looking to decrease their interest rate may consider refinancing. 

Want more spending money?

Now may be the right time to refinance and potentially save hundreds of dollars each month

• Eliminate monthly private mortgage insurance
• Accelerate your equity and pay off your loan faster
• Increase your cash flow with a cash-out refinance program
• Pay off debt, make home improvements or fund large purchases
• Potentially lower your interest rate

CAN’T FIND YOUR DREAM HOME? BUILD IT!

WE MAKE NEW CONSTRUCTION LOANS SIMPLE AND EASY

Make your dream home come true with our One-Time Close New Construction loan. I’ll work with you, your real estate agent and your builder to get you a great rate and a hassle-free mortgage experience. Plus, one closing means one interest rate (with the option to modify down if the market improves), one down payment, one full credit report to order and just one approval. 

Conventional, high balance and ARMs available

700+ FICO

As little as 5% down

Interest-only payments until the build is complete

Ready. Set. Home. Move In With 1% Down

Don’t have a big down payment? Purchase your home with 1% down.

• You put 1% down and your lender pays an additional 2%, for a total of 3% down
• Use gift funds for your entire down payment
• Keep more money in your pocket for furniture, house repairs and maintenance

Purchase a home with as little as 3.5% down!

FHA loans are great for buyers with lower down payments and are sometimes easier to qualify for than a conventional loan

• Credit scores starting at 580
• Competitive rates
• Close in as little as 20 days
• Sellers may contribute up to 6% toward your closing fees

THE PERFECT LOAN TO MATCH YOUR PERFECT HOME

The perfect home is different for everyone — and the perfect mortgage should be, too. As independent mortgage brokers, we’re able to offer:

• A wider variety of jumbo loan products than most banks and retail lenders
• Custom-made loans to match your situation
• Competitive rates on loans up to $3.5M
• A fast, worry-free process

Getting pre-approved is something every buyer should do

Here's why:

• You'll know what you can afford. Getting pre-approved before you shop is imperative, as it allows you to shop within your price range.
• It gives you negotiating power. Having a pre-approval always puts you ahead of a buyer who doesn't. This is a game-changer when you're in a bidding war with others.
• It makes your offer more relevant. When the seller knows that your information has been reviewed by a mortgage underwriter, it makes everyone involved more confident -- and gives your offer more significance.
• It will help you save, not spend. When you're in the market for a new home, it's easy to get caught up in the excitement of making purchases. Having the details on your new home's interest rate, closing costs and down payment will help you curb your urge to buy outside of your budget.
• You'll get the keys faster. Getting pre-approved upfront makes everything else move quicker. You'll close faster, which means you'll move in faster!

NOTE: Pre-approval does not guarantee a loan. Borrower is still subject to a full underwriting review.