Hot Products!

3.95% Low Payment Program our hottest program
A unique loan for those who want to minimize cash out go. (Purchase or Refinance)

100% Financing or $0.00 Down Purchase
Most people don't realize that a home purchase is only a couple thousand dollars away.  (Purchase or Refinance)
Whether or not a first time home buyer, this loan can make it possible to purchase a home without a large, up front, out of pocket cost. With other conventional loans a minimum down payment of 3% to 10% plus another 5% in closing costs. This loan makes it possible for the seller to pay some of the buyers closing costs. $2002.00 out of pocket could get you into a $100,000.00 Home.

100% Financing or $0.00 Down N.I.V. Purchase
No income verifications.  (Purchase or Refinance)
This loan offers the same advantages as the one above except that income is not verified. The income amount you state on the application is what is used. This option is especially useful for self employed borrowers who write off much of their income on their tax returns.

97% No Income, No Asset, No Employment Program
Small down payments, no income, no asset, no employment verification.  For the W-2'd and self employed borrower.  (Purchase or Refinance)
This is a very fast, easy loan to close. It's great for W-2 and self-employed borrowers. A minimum down payment is required and good credit. No tax returns and no financial statements are required. This is a low fixed rate loan. Good for purchase or refinance.

Construction/Owner Builder
Custom, Spec or do-it-yourself.
Down payment starts at 10% for most construction loans and could be higher in certain circumstances. Spec loans are available on a limited basis to contractors including some private money. HOT program is our owner builders loan. Most lenders do not allow owners to be involved in the actual construction. We have several loan programs that will even offer some help and contractors can also be owner-builder. It's a great loan.

125%, 2nds, Lines of Credit, Equity Loans, Home Improvement (Get your down payment back)
Review the many options.  Some 2nds can be combined with a 1st for 100% purchase or refinance.  (Purchase or Refinance)
The 125% 2nd Mortgage can be used for debt consolidation, remodeling, or any other purpose, including getting your down payment back. Many new home buyers use these loans to furnish or remodel their home. We have a variety of 2nd Mortgages to fit different situations, including one with no credit score requirement. Most loans may be tax deductible. Consult your tax professional to be sure.