Purchases

New home purchases, second homes, or investment properties

Refinance-Rate Reduction

Reducing your rate can save you 100's per month and 1000's over the life of the loan.  Not everyone needs to refinance for a rate reduction.  Ask us why and whether you should?

Refinance-Cash Out

Where there is a need for cash, for what ever reason, a mortgage is a great option because it is generally a lower interest rate that an unsecured loan and is usually tax deductible.  See your tax advisor for how on tax credits.

New Construction

Building a new home ,whether custom or in a subdivision, can be a confusing and frustrating process.  We can simplify this process with many diverse construction loans and end loans 

Home Improvement

Everyone has a wish list of things we would love to do to our home.  We take a special approach to this.  We have programs to do all your home improvement needs and do them all at one time!  Why spread it our over several years?

Debt Consolidation

Buried?  Aren't we all?  We have hundreds of special programs to help people us their home to get G.O.O.D. (Get Out of Debt)  See Credit Info for why?

Investments

Being a savvy investor is recognizing opportunities.  Being able to get capital quickly and cheaply is sometimes the difference between success and failure.  Borrowing at 6% and making 15 % counts.

Special needs

Kids going to College, Continuing Education, Family Emergency, Starting a Business, or whatever your need, being a homeowner allows a mortgage product to be an effective tool. 

Land Purchase

Purchasing land for a new home, farming, or mini-farm having the right connections make this a smooth process as this is always a tough, technical, and time consuming transaction.

Reverse Mortgages

Senior Citizens on fixed incomes may not always benefit as well with a standard mortgage.  They may benefit more from a Reverse Mortgage which requires no monthly payments.  Ask us if this may be an option for you or your loved ones.

Debt Restructuring and Credit Recovery

In today's day in age life not only gets in the way but sometimes slams you to the ground and stomps on you!  Recovery from a slow credit period can be a painful and expensive time.  Getting set back on the right path with a credit rebuilding game plan can save money and more importantly time!  Ask us how we can help.