We have provided a wealth of information to help you understand the financing of your most important investment, your home. Whether you're buying your first home, trading up, or refinancing an existing mortgage, our professional Mortgage Specialists will guide you through the entire mortgage process and we'll service your every need. PURCHASING POWER We provide a quick mortgage approval before or after you complete your purchase contract. We can also help you choose the mortgage that best fits your down payment and monthly payment objective. REFINANCING Refinance your current loan to reduce your monthly payment and mortgage insurance. Retire your loan quicker and save thousands of dollars. TIME Consolidate your higher interest rate or make home improvements. Take cash our for a family vacation or college tuition. A second mortgage is available for up to 125% of your homes value. 1ST TIME HOME BUYING BENEFITS First time home buyers can benefit from a variety of mortgage programs. Why rent when you can own your own home? BEST RATES We are a lender with low overhead. This allows us to pass the savings on to you. In addition, the funds we lend come from the most competitive wholesale conduits in the country. LOW OR NO FEES The mortgage programs we offer always provide options for reducing or eliminating fees. Most of our previous borrowers especially enjoy this value added feature.