Reverse Mortgages!

If you’re 62 or older – and looking for money to finance a home improvement, pay off your current mortgage, supplement your retirement income, or pay for healthcare expenses – you may be considering a reverse mortgage. It’s a product that allows you to convert part of the equity in your home into cash without having to sell your home or pay additional monthly bills.

The Federal Trade Commission (FTC), the nation’s consumer protection agency, wants you to understand how reverse mortgages work, the types of reverse mortgages available, and how to get the best deal

In a “regular” mortgage, you make monthly payments to the lender. In a “reverse” mortgage, you receive money from the lender, and in most cases you don’t have to pay it back for as long as you live in your home. The loan is repaid when you, sell your home, die, or when your home is no longer your primary residence. The proceeds of a reverse mortgage generally are tax-free. In addition, your home must have equity or “appraised value” available. Many reverse mortgages have no income restrictions. For a free evaluation, simply complete the short application form above or contact one of our specialists at 877-376-1842.

Home Mortgage Cash Out Refinancing!

Do you have equity in your home that you would like to turn in to immediate cash? If you have never missed a mortgage payment and you have a credit score of a 620 or better in addition to two years of verifiable income you can qualify for cash out refinance. Many homeowners utilize the cash out refinance option to engage in remodeling home improvement projects for there home. Other may use their cash to consolidate or pay off outstanding debts reducing their monthly overhead expenses. Other options may include, Home Equity Loans and or Lines of Credit. For more information simply complete the short application form above or contact one of our specialist at 877-376-1842.

Home Mortgage Refinancing Debt Consolidation

  • Have you been making your monthly mortgage payments on time?
  • Do you have a 620 credit score or better along with verifiable income?
  • Are you overwhelmed with high interest Rates on your credit cards or mortgage?
  • Are you looking to lower your Home Mortgage monthly payments?
  • Are you looking to consolidate two home loans into one low rate Mortgage?
  • Are you looking to consolidate your Credit cards , personal loans through Home Mortgage Refinancing ?
You can use home mortgage refinancing as a strategy to consolidate debts. This strategy helps because you will be able to reduce interest rates on your debt, and you may be able to turn consumer debts into tax-deductible home equity debts.
 Under provisions of the Making Homes Affordable Act (a.k.a. HARP 2.0), signed into law by President Obama, Fannie Mae has removed certain loan requirements, including the Loan-To-Value (LTV) ceiling for fixed-rate mortgage, property appraisal and eliminated & lowered certain fees for borrowers making it easier to refinance into a lower rate mortgage, effectively reducing the amount of interest paid (and owed) over the life of the loan.

First Time Home Buyers!

Are you tired of wasting your hard earned $$ renting? Let us help you purchase your Dream Home? With rates at an all time low, you can qualify for many great programs. The Federal Housing Administration (FHA) lenders provide a program, which is designed, for (1st time homebuyers). This program will enable 1st time borrowers with a 620 credit score or better & at least two years of verifiable income 97% financing. This means you would only be required to put down 3% of the purchase price for your Dream Home. Yes, not only will you receive 97% financing from an FHA approved lending institution, you will also limit your closing cost to a minimum. With 15 to 30 year loan financing term options, you can dictate the amount of time you have to pay off your Dream Home. The FHA’s guidelines set the maximum debt ratio to qualify for a loan at 41 percent. That is, if you make $1,000, your fixed expenses cannot exceed $410 (including your FHA mortgage) to qualify. For a free evaluation, simply complete the short application form above or contact one of our specialists at 877-376-1842.

Rate & Term Mortgage Refinancing!

Did you know that your home is a valuable asset that most consider to be a cash cow? In 2007 the market crashed causing home values to depreciate dramatically across the country. However, since then home values have been on the rise with interest rates at an all time low. With Market rates as low as 3% homeowners can increase their savings by lowering there interest rates, which will in turn lower their mortgage payments. This is called a rate and term plan.