Less risk, consistent monthly payments, and an unchanging interest rate for a specific term( usually 30 or 40 years) are the benefits of a fixed-rate mortgage loan.

Generally, we approve borrowers with 720 fico scores. These programs are offered for purchase and refinance transactions( cash out or no cash out). Please contact our loan consultants on how to qualify.

An Adjustable-Rate Mortgage, or ARM, is a loan with a fluctuating rate of interest based upon time, indices and margins. We offer programs that starts with a fixed term for 3, 5, 7 and 10 years. We also have Interest only programs available.Please contact one of our loan consultants on how to qualify.

Homeowners are allowed to take equity from their properties over a period of time. They may wish to pull equity as their need arises from a home equity line of credit (HELOC). They also have the option of taking a separate second mortgage if they do not wish to refinance their existing first mortgage by applying for a fixed second mortgage where the monthly payments will generally be the same for the life of the loan.

Due to current market conditions, HELOC programs and fixed second mortgages are temporarily unavailable.

We have numerous cash out programs that would service your cash needs, whether that be for home improvement, debt consolidation or for another real estate purchase.

Due to current market conditions, cash out programs are limited to 75% loan-to-value ratio.

These programs are catered to borrowers who would like to manage their cash flow by having considerably low payments without the danger of negative amortization. We offer a wide array of interest only programs for terms as low as 3, 5, 7, 10, 15 or even 30 years. Please call one of our loan consultants on how to qualify.

Not all things are created equal. No two individuals are alike. It is for this reason that the Alt-A/Sub Prime programs were created. They are specifically designed to address individual borrower's credit issues, down payment limitations and/ or documentation difficulties; and many other unique situation one may have. Please call one of our loan consultants on how to qualify.

Due to current market conditions, we are no longer offering subprime programs. 

Apply now

Apply now

Construction loan is a short-term, interim loan to finance the costs of construction or property improvements. It is an alternative way of financing home improvements, such as upgrading kitchen or adding a room, if the borrower does not wish to refinance his/her existing loans. Please call one of our loan consultants on how to qualify.

Apply now