When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you.

Refinanace and New Purchase Loans. Don't miss the historic low rates which are available. Get started today. Online application is easy, safe, and secure.

Lowest Rate or Lowest Fees? There are literally hundreds of possible loan rate / closing cost combinations to choose from.  Low Rates indicate higher fees are being charged. Lower fees indicate higher interest rates are in effect.

 Click to view an important tutorial on how rate and closing costs are interconnected.

Yield Spread Premium rebates may apply to your loan and may significantly reduce your total in closing costs. Rebates are applied towards reducing your total closing costs.

Dec 2009: Borrowers obtain 4.5% rate on conventional 30 year fixed refinance. This recent closing, additionally saved borrowers $590 off on their total closing costs due to a Yield Spread Premium rebate due to broker - fully disclosed at application to be split 50-50% with borrowers. $1700 origination fee charged on $238K loan (only .75% of the loan)

Great credit does get a great rate.

Ask your traditional banker about Yield Spread Premiums and who got them on your last loan. You will (probably not) be surprised at the answers you hear.

Buying a new home  can be a source of anxiety, frustration -- and a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust me to help you find the mortgage loan that best fits your needs, too.

"Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! I can help you get there.

Refinancing your current mortgage has never been easier. We make it easy and worry-free to reduce your interest rate and monthly payment.

We give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity.

MY GUARANTEE! Qualifying Borrowers never pay what brick and mortar institutions charge. Most banks and storefront lenders charge 1-3% as a loan origination fee. (see rate sheet) Your fee is guaranteed up front so there will be no closing day surprises.

Please navigate our website to learn more about us, what we do for you, and how easy it is to get started.