We have access to hundreds of mortgage packages. You might find it almost impossible to compare true costs of loans you may be offered -- but we know how to help you evaluate your own financial position and needs.
Let us find the right loan for you!

Purchase
Conforming Loans
Balloon Loans
Interest Only
Refinance
Non-Conforming Loans
Second Mortgages
Foreclosures/Bankruptcy
Jumbo Loans
Adjustable Rate Mortgage Loans
No Income Verification Loans
Home Equity Lines of Credit
Specializing in Bad Credit / No Credit
Debt Consolidation
Cashout / Owner & Non-Owner Occupied
30, 20, 15, 10 Year Fixed Rate Loans
Buyer's Pre-Approval Program
24 Hour Mortgage Commitment to Buyers

Purchasing:
You may qualify to buy a property with only $500.00 total funds required.

Refinancing to lower your actual monthly payment:
Increasing the term or lowering the rate could reduce you monthly payment. The relation  between the property value and the mortgage debt is a determining factor, providing the standard basic requirements are met.

Refinancing to get cash out:
You could refinance to get cash out without increasing your interest rate, and sometimes even lower it. The relation between the property value and the mortgage debt is a determining factor, providing the standard basic requirements are met.

Mortgage Checklist

Here's a list of the documents most commonly needed in order to apply for a mortgage loan. You may need additional documents depending upon the type of loan you're applying for, so be sure to check with the lender.

Legible sales contract signed by Buyers and Sellers.

Social Security number of all applicants.

Complete address for the past 2 years (including complete name and address of landlords for past 24 months).

Name, address, and all income earned from all employers for past 24 months.
Copies of previous two years W-2 forms.

Copy of most recent year-to-date pay stub.

Name, address, account number, monthly payment and current balance for: installment loans, revolving charge accounts, student loans, mortgage loans, and auto loans.

Name, address, account number, and balance of all deposit accounts, including: checking accounts, savings accounts, stocks, bonds, etc.

Three months most recent statements for deposit accounts, stocks, bonds, etc.

If you choose to include income from Child Support/Alimony bring copies of court records of cancelled checks showing receipt of payment.

If you are applying for a VA Loan:

DD-214, Certificate of Eligibility, or statement from your Commanding Officer if you are on active duty.
If you are self-employed or paid by commission:

Previous two years Federal Income Tax Returns with all schedules and a year-to-date profit and loss statement.
If you own other properties:

Address of properties and current market value.

Any debt owed on properties; Lender's name, address, account number, monthly payment, and current balance.

Copy of previous two years Federal Income Tax Returns with all schedules.

If rented; copy of lease.

If you have filed bankruptcy in the last seven years:

Copy of petition and discharge, handwritten explanation of reason for bankruptcy, evidence of excellent credit since the bankruptcy.

Purchase Checklist