We help you find the best possible loan solution that fits your individual needs...
Getting a mortgage is a lot more complicated than just getting people to quote you rates. In fact, if someone is not taking a full application from you BEFORE they quote you rates and terms, they are either purposely misleading you or they really don't understand the mortgage business. Many things are factored into the equation by lenders when they are qualifying you. Credit scores, debt-to-income ratios, loan-to-value ratios, your ability to document enough income, etc., all play an integral part in the qualification process. Without knowing everything about you and your individual situation, no one can give you an accurate quote regarding rates on specific loan programs.

General Rule Of Thumb
Loaning money is all about assessing risk. The greater the perceived risk that a lender has to take when making a loan, the higher the interest rate will be as compensation for taking that risk. On the norm, a person who puts a 20% down payment on a home purchase (or has at least 20% equity in his property when refinancing) will most likely have a lower interest rate than a client who finances his house 100%. Lenders give the best rates to borrowers whose properties have a loan-to-value of 60% or less. Anything above that will result in slightly higher rates. Good credit scores will carry lower interest rates as well, so be mindful of your credit history. Likewise, lenders give the best rates and terms to borrowers who can document enough income to qualify. The less documentation you can provide, the greater the risk for the lender- so they will charge higher rates. Other limitations may be imposed as well in these circumstances.

Qualification types

• Full Document (provide complete employment & asset documentation)
• Stated Income (no income documentation needed, but employment and assets are verified - borrowers must have credit scores above 700 to qualify for stated income

Program types

• Accelerated Loans - Pay off your mortgage in half the time (Details)
• Zero-Down 100% Financing (purchases - usually a combination of two loans)
• Adjustable Rate Mortgage (ARM) - fixed-rate terms of 6 months to 10 years
• Interest-only ARM - fixed rate terms of 6 months to 10 years
• Multiple Payment Option ARM
• 15-year Fixed
• 20-year Fixed
• 30-year Fixed (Including interest-only)
• 40-year Fixed
• 50-Year Fixed
• Loan amounts to $10,000,000

Would you like to pay off your loan in half the time?

It's possible! Call us and one of our loan experts will be happy to meet with you and explain in detail how this program works. Click here for more info

We lend exclusively in Hawaii, California, Colorado, Florida, Alaska, Virginia, Michigan, Minnesota, New Mexico, Oregon and Washington. Hawaii loans are made pursuant to the Dept of Commerce & Consumer Affairs. License No: MB-886.California Loans are made pursuant to the California Department of Real Estate, License No. 01333905. DRE information line 916-227-0931. Colorado loans are made pursuant to the State Department of Regulatory Agencies-Real Estate Division, License No. 20041197634. Florida loans are made pursuant to the Dept of Financial Services. License No: 306346. Information Line: 850-410-9895. Virginia loans are made pursuant to the Bureau of Financial Institutions. License No: MB-2150. Alaska loans are made pursuant to the Dept of Community & Economic Development. License No: 298979.Michigan loans are made pursuant to the Michigan Department of Labor & Economic Growth. License No: FL0014454. Minnesota loans are made pursuant to the State of Minnesota Department of Commerce. License No: MO20592722. New Mexico loans are made pursuant to the State of New Mexico Regulation & Licensing Department Financial Institutions Division. License No: 02999. Oregon loans are made pursuant to the Oregon Department of Consumer & Business Services. License No: ML-4270. Washington Loans are made pursuant to the State of Washington Department of Financial Institutions. License No: 520-CL-30624.