Home Purchase

Whether you're looking to buy your first home or are adding to your investment portfolio, we can help.

Get Started

Refinance

Interested in lowering your monthly payment, shorten the term of your loan or wondering if now is the time to refinance? We can help.

Get Started

Helpful Terms and Definitions

  • Interest rate: The percentage of the loan amount youare charged to borrow money.
  • Discount points: One point equals 1% of your mortgage amount. Points may lower your interest rate.
  • Origination charge: All charges, other than discount points, that loan originators (lenders and brokers) receive such as fees, document preparation, and underwriting.
  • Loan term: The amount of time you have to pay off your mortgage balance. Shorter loan terms typically mean higher monthly mortgage payments, but often have lower interest rates and may end up costing you less money overall.

Benefits of Home Ownership

  • Take control by avoiding rent increases and cancelled leases.
  • Build home equity and grow your assets.
  • Receive tax benefits by deducting mortgage interst and property taxes*. Build your credit.
*Consult a tax advisor regarding the deductibility of interest and real estate property taxes.

Find out your options and get started today

Call us at 844-335-0586 and let us help you find a mortgage that's right for you!

Mortgage Calculator

Calculate your estimated monthly mortgage payment.

Refinance Calculator

Use our home mortgage refinance calculator to see if refinancing your mortgage may be rigt for you.

Benefits to Refinancing

  • Take Cash out. A cash-out refi lets you tap into the equity your home has earned.
  • Lower your monthly payment amount.
  • Save on interest payments with a shorter term. Pay off your mortgage sooner and save potentially thousands on interest payments.
  • Consolidate dept and save by moving to once monthly bill at a low interest rate*.
  • Switch to the predictability of a fixed loan. If you currently have an ARM (adjustable rate mortgage) loan, protect yourself from an annual rise in mortgage payment by switching to a fixed rate.
  • Get financial relief even with no home equity with government-sponsored HARP Loans. The underwriting is lenient, and in most cases, no new appraisal or mortgage insurance is required.

Refinancing Options

Fixed Rate Loans

Fixed Rate Loans

If you're planning to stay in your home for ___+ years, and prefer to have a rate and monthly payment that never changes, refinancing your mortgage with a fixed rate could be perfect for you.

ARMS (Adjustable Rate Mortgages)

ARMs are a great solution for homeowners who are planning on moving in a couple of years, or just want the relief of a lower monthly payment. For example, a 5/1 ARM has a 30-year term with a fixed rate and payment for the first 5 years. After that, the rate and payment may adjust once per year for the remainder of the term.

FHA Loans

FHA (Federal Housing Administration) Loans

An FHA loan is a great solution for people who may not qualify for conventional 30-year loans and those looking to refinance and with less than 20% equity in their home.

Streamline FHA

If you currently have an FHA Loan, you can take advantage of the Streamline FHA refinance option to lower your rate and monthly payment, even if you owe more on your current mortgage than the home's current market value.

HARP Loans

HARP (Home Affordable Refinance Program) Loans

The Federal Government's HARP program helps homeowners whose mortgage balance exceeds their home's value, and enables them to refinance to current low interest rates. If you have little or no equity in your home, a HARP loan may help you to lower your monthly payment and/or shorten your loan term. If your current loan was originated before June 1, 2009, is owned by Fannie Mae or Freddie Mac, and you've continued to make your monthly payments, you may qualify for a HARP loan.