Government Help Is Here! In early February Treasury Secretary Timothy Geithner & President Obama outlined a plan to help home owners looking to refinance & struggling to make there payments.  On March 4th, the guidelines for these programs were release and are outlined below.  Call me today to discuss your options! Home Purchase Tax Credit: $8,000 FREE Government money for 1st time buyers!  Click Here For Details Refinance Options: Dubbed an Obama Refi this program is designed for homeowners paying their mortgage on time who are unable to refinance due to the lack of equity in their home. (Refinance options outlined below are to be rolled out in 2 phases first in April, then in May 2009.  Lenders are still working thru the details, therefor the programs are subject to change) Up to 105% LTV Appraisal may not be required NO PMI possible Min. 580 Credit score Loan must be held by Fannie Mae & Freddie Mac Must income qualify There are many restrictions and loopholes.  Call me today to discuss. Modification Options: Designed for homeowners struggling to make their payments because of an interest rate increase or change in income.   Note:We do not do Loan Modifications. First-lien loans on owner-occupied properties with unpaid principal balance up to $729,750. All borrowers must fully document income  Incentives to lenders and servicer's to modify at risk borrowers who have not yet missed payments when the servicer determines that the borrower is at imminent risk of default. Modifications can start from now until December 31, 2012; loans can be modified only once under the program. The program will share with the lender/investor the cost of reductions in monthly payments from 38% DTI to 31% DTI. Servicers that modify loans according to the guidelines will receive an upfront fee of $1,000 for each modification, plus "pay for success" fees on still-performing loans of $1,000 per year. Homeowners who make their payments on time are eligible for up to $1,000 of principal reduction payments each year for up to five years. The modifications guidelines are simply an outline.  It is up to each servicer of the loan to decide if & how they will modify a loan.  Call me today for some tips and pointers before you call your loan servicer.  I will  help give you an edge before calling.  We do not do Loan Modifications. HELP IS FREE! CALL ME TODAY FOR A FREE CONSULTATION Personal Finance from Forbes.com:   Questions To Ask To Get Out Of Debt   Why Deflation Fears Are Overblown   Not Your Father's Index Fund   Dissecting Leveraged ETF Returns   Crazy Company Back-To-School Deals More news... These articles are property of Forbes.com and protected by copyright. Today's Rates: Mtg Loan     Rate   APR 30-yr Fixed 4.56% 4.71% 15-yr Fixed 4.03% 4.24% 1-yr Adj 3.7% 4.59% * national averages State: County: City: Zip:

We are a direct lender mortgage bank with lending authorization in the following states for Conventional, HUD, FHA, VA, USDA, Reverse,  and Commercial lending. 

We are a direct lender with offices in various locations focusing on providing home loans to the people in the communities we serve throughout the United States. We are here to help borrowers achieve the dream of home ownership and help them take advantage of today’s real estate investment opportunities.

Our loan professionals are highly trained in all of the various loan products currently available.  We are well prepared to answer any questions you may have about buying a home or to assist you with analyzing your current home loan. Simply put, they are here to help you make informed right-fit mortgage decisions.

The customer experience is our number one priority. Communication is a very important part of our business model and our unique loan process, and our investment in technology reflects just that. We have mastered the ability to effectively communicate with all parties involved on each and every transaction keeping everyone up-to-date from the first phone call through funding. Our goal is to use all of our resources to make your transaction as smooth and efficient as possible.

With the experience, resources and exceptional service standards, you will see why we deliver…simply better home loans as we are working to expand our lending in other states as well.

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