Welcome

Today’s mortgage loan options are more flexible than ever before. All you need is someone familiar with and knowledgeable about all those options. That’s us, because we specialize in helping people like you buy that first home. Whether you’re credit challenged or lacking cash, several alternative solutions are possible, including:

FHA loans: The FHA program enables first time home buyers to buy a home with only a 3% down payment (Scheduled to increase 10/1/2008 to 3.5%). With an FHA Loan, your home loan is insured by HUD. There are a variety FHA loan programs that you can take advantage of, so ask us for more information. 

No down payment programs: A variety of programs make it possible to get a home loan financed for 100%, with no money down.

Down payment assistance programs: Down Payment Assistance Programs are loan programs that help first time home buyers with the down payment and closing costs required by the FHA loan program.

Gift and grant programs: Gift and grant programs allow gift money or grants to be used toward down payment and closing costs.

VA loans: Department of Veterans Affairs home loans require no down payment, and the government limits the amount of closing costs, origination fees and appraisal fees.