I want to help you make the purchase of your new home go smoothly, so take advantage of  free pre-approvals. You can use this web site to start the process. If you prefer a face to face meeting, call me for an appointment and we will set up a time that works for you.

LOAN PRODUCTS THAT FIT YOUR NEEDS
We offer a variety of terms from 10 to 30 year terms, fixed and variable rates for purchases and refinances. We also offer 3.5%, 5% down payment, construction loans, lot loans, investment property, second mortgages and home equity loans.

LIST OF ITEMS NEEDED FOR LOAN APPLICATION
- Driver's license or state photo ID
- 2 recent pay stubs
- Recent bank statements for checking and savings account
- 2008 & 2007 W2s (if self employed, commissioned or part owner of a corporation or business will need complete federal tax returns, and corporate tax returns)
- Recent 401K or retirement accounts
- Pre-approvals are free, but for a purchase or refinance we will need a check for $275 for the application fee
If you are refinancing we will also need
-previous title work
-home owner’s insurance statement
-complete loan number/information of loan(s) to be paid off

FIRST TIME BUYERS
It couldn’t be any easier for first time buyers with free pre-approvals and low closing costs. We have special programs for first time buyers with competitive rates, fast processing time and low down payments. 

OUR ANSWER IS YES WITH HOME POSSIBLE and FHA
FHA and Freddie Mac’s Home Possible mortgage provides options to meet the needs of more borrowers with 96.5% financing options available. We offer Neighborhood Solutions for those who help to support our communities: teachers, firefighters, law enforcement officers, health care workers and military.