MAKE THE RIGHT CHOICE!

People are smart. When it comes to the decision to finance and refinance their homes they know what's best for them and their family. They know they have to look for the right  rates, right plans for the right financial solutions. In other words they have to look for the right service.

That's what we believe in. We believe people are smart and so we serve people in the smart way. Our product is built in that way - provide people the choice of programs for their needs: first and second mortgages with fixed and long-term low down payment, refinancing for better terms and rates, home equity loans for debt consolidation, construction loans for new home owners, and commercial loans for savvy investors.

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1st or 2nd Mortgage With 30 Year Fixed Term

Current high floating mortgage rate?

  • Replace the high floating rate of your 1st or 2nd or HELOC loan with a new low 30 or 40  year fixed mortgage
  • Lower your mortgage payment
  • Get cash for home improvements or major purchases
  • Credit card and debt consolidation

FHA Loan with 97% financing and refinancing

Buy Home with 0% to 3% Down and Imperfect Credit Score? 

  • Full Doc
  • 97% Loan to 100% Loan Financing
  • Loan Amount up to 729K in some counties
  • Non restrict program on credit score. Can be as low as 580.
  • Bankruptcy or No Credit History is OK
  • 0.5% monthly PMI (mortgage insurance) in most of loan programs
  • 15 Year or 30 Year Fix Rate 

Use Home Equity

Want cash from your home?

  • Fixed 30 year home equity loan
  • Get cash for home improvements or major purchases
  • Pay off high rate credit cards
  • Consolidate debts with a low and tax deductible mortgage interest.