Infinite Banking Concept®

Conventional Mortgages

Let me help you ensure that you are getting the very best mortgage product at the very best rate. Whether you are looking for your first or second mortgage, I can help you get competitive rates for a mortgage specially designed for your unique situation.

HARP

If you currently owe more on your mortgage than your home’s current value, updates to the Federal government’s recently expanded Home Affordable Refinance Program (HARP) may give you the oppourtunity to refinance at a lower rate and save money. There is no appraisal required in most cases and you can fold closing costs into your loan. Even if you’ve been turned down for a HARP loan before, you may qualify today!

HARP

If you currently owe more on your mortgage than your home’s current value, updates to the Federal government’s recently expanded Home Affordable Refinance Program (HARP) may give you the oppourtunity to refinance at a lower rate and save money. There is no appraisal required in most cases and you can fold closing costs into your loan. Even if you’ve been turned down for a HARP loan before, you may qualify today!

FHA Loans

FHA loans are mortgages insured by the Federal Housing Administration (FHA). Popular among first time home buyers, these loans were created to help stimulate the housing market by making loans accessible and affordable for people with less than perfect credit or a low down payment.FHA loans allow down payments of 3.5% for credit scores of 580+.

VA Loans

Guaranteed by the U.S. Department of Veterans Affairs, VA loans allow Veterans and surviving spouses to finance up to 100% of their new home’s value, or refinance with no money down, no appraisal fee, and no private mortgage insurance premium (PMI). Closing costs can even be combined into the loan amount. Refinance with minimal paperwork in as little as 21 days even if you have less than perfect credit.

VA Loans

Guaranteed by the U.S. Department of Veterans Affairs, VA loans allow Veterans and surviving spouses to finance up to 100% of their new home’s value, or refinance with no money down, no appraisal fee, and no private mortgage insurance premium (PMI). Closing costs can even be combined into the loan amount. Refinance with minimal paperwork in as little as 21 days even if you have less than perfect credit.

USDA Loans

With a USDA Rural Development Home Loan, qualified borrowers can purchase or refinance a designated U.S. Department of Agriculture rural property up to 100% loan-to-value with a 30 year fixed rate mortgage. These loans are not limited to first time homebuyers, and no down payment is required. Flexible credit guidelines apply.