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Mortgages

Below are links to many of the mortgages offered by us grouped by type of loan.

Loans designed for individuals purchasing their first home or who wish to make no down payment.

No Down Payment Mortgages

14 loan programs requiring no down payment. Many will allow you to purchase with NO cash at all!

Construction Mortgages

Detailed information on "one time close" loan for construction of a new home. Extensive section with FAQ.

New loans for renovation or remodeling existing homes allowing  you to borrow against the value after completion of construction. Purchase and renovate or remodel your current home. Both first and second trust construction programs.

Purchase land to build your dream home. Some programs allow interest only payments to lower monthly payments.

A home at the beach, lake, or mountains is a dream for many. Buy or build with as little as 5% down and low payments.

Creative loan programs for real estate investors. Programs with low down payments and for investors with multiple properties.

Mortgages for individuals with difficult to verify income or asset situations. 95% financing for individuals, 90% for investors.

Home Equity Mortgages

Flexible loan program allows you to use your home equity rather than expensive consumer financing.

Second Trust Mortgages

Loans to take equity out of a property, make home improvements, for debt consolidation, or to avoid mortgage insurance.

Effective strategies to avoid paying Private Mortgage Insurance.

Fixed and adjustable rate mortgages explained in detail.

Low down payment programs for purchase or construction offers easier qualification guidelines and credit flexibility.

Veterans Administration loan program requires no down payment. New program to reduce the funding fee!

Financing options for individuals or investors buying foreclosure or repossessed properties.

As a Certified Mortgage Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your consumer and mortgage debt is structured today can have a life changing effect in the years to come.  Read more about this free, no obligation service.

New! View my Wealthbuilder presentation and learn the safe way to manage your debt and fund your retirement.

I hope the information on this page was useful to you. Please scroll down to view my Mortgage Market Guide. It is a weekly publication explaining the financial markets from a consumer's perspective that is available on this website or by email subscription. I have nearly 8,000 subscribers today and would be happy to have you as well.