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 possibly loan rate / closing cost combinations available. Low Rates indicate higher fees are charged. Lower fees indicate higher interest rates. Click to view an important tutorial on how rate and closing costs are interconnected.

Yield Spread Premium Split 50-50% - Yes I split any yield spread premium with you as borrower. If any PREMIUM is paid by the mortgage bank, YOU GET HALF. Ask your traditional banker about Yield Spread Premiums and who keeps them. You will (probably not) be surprised at the answers you hear. If a premium is paid, it will be fully disclosed to you plus you get half of any premium earned as a rebate, and it will go against any refinance or purchase closing costs which you owe at the closing table.

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 1-2% as a loan origination fee. You will never pay more than 1% - usually much less (see rate sheet), and your fee is guaranteed up front so there will be no closing day surprises either.

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