Reasonable Rates Despite a Few Dings

In need of an affordable mortgage that doesn’t resemble the interest rate on your credit card? If you have a troubled credit history, some lenders may penalize you with a complicated loan, extraordinary approval conditions, and a higher interest rate. We know that not all worthy borrowers have perfect credit! Using flexible guidelines and a common sense approach, we can save you from high interest rates and get you a great deal without the usual hassles.

Better rates and easier approvals

Ø Save money with a lower rate. Buy more house, enjoy a lower payment, refinance your current home, or refinance with cash back to you for debt consolidation.

Ø Lower your payments by paying on time. With some loan programs, your interest rate can be reduced if you make 24 consecutive payments on time. Improve your rate while rebuilding your credit!

Ø Choose your loan. Fixed-rates, adjustable-rates, even low documentation options available.

Ø 100% Financing. Certain loan programs offer 100% financing even with reduced documentation.

Ø Fast Approvals. Receive automated approval within minutes in most cases.

Ø Flexible underwriting. Salaried and even self-employed borrowers can qualify with two months’ bank statements and no verification of income. A damaged credit report does not have to disqualify you.

Ø Available on first mortgage loans up to $1,000,000 for Single Family Detached homes.

Ø Available for second homes, investment properties, condos and manufactured homes.

Ø Beat higher rates for loan amounts over $333,700. Avoid Jumbo loan rates by taking out two loans, a fixed-rate 1st and an adjustable-rate 2nd. The application process of the second is completed at the same time as the first, and the rate you pay on each is significantly lower than what you would pay on a Jumbo loan!

Ø Family gifts and community or employer grants accepted with some programs.