First Time Buyer Loan Programs:

Specific financing programs available for first time buyers who have not had an interest in a home for the past 2 to 3 years. (If you've owned a home -- don't worry, there are still many great programs for you), What are the benefits? Firstly, usually they allow for no down home loans. The specifics vary depending on your location, income, credit and other criteria. The important thing to remember is that if you fit into the criteria for your area, it can usually reduce your interest rate, payment amount, or down payment requirement so that you receive a no down home loan. Some banks are now offering 50 year mortgages.

Down Payment Assistance and Cash Grants:

There are many agencies, charities, municipalities, etc... that will either lend you part of the down payment, all of the down payment, (usually repaid over 20 years), OR, many programs in which your down payment is actually given to you, (this is common, one just needs to know where and how to apply). Some of the Down Payment assistance programs have income limitations -- the rational being that if you make over a certain amount of money you should have been able to save your down payment. Many others programs have no such constraints. Let us know your situation and we'll find the one that works best for you.

Absolutely No Money Down Home Loans:

There are many government and conventional loan programs that allow for no down home loans even with questionable or even bad credit. This means that we can provide a loan of 100% of the purchase price. However, remember there are still closing costs that must be paid.

107% LTV Loans:

These are loans in which the lender will give 107% of the purchase price. A loan for more than the house is worth! Why would they do that? That extra 7% covers all of your closing costs. Requires good credit and reasonable debt ratios.

95% to 100% Non-Owner Occupied Investor Loan:

If you are an investor with reasonable credit (600 fico score & above) you may get the entire purchase price of your residential property financed. There are many ways to accomplish this but the most usual is a First Mortgage for 80% of the value and then a "Piggy Back" loan funded by us for the remaining 15% of the value. With a small seller carry back 100% financing is available.

Stated Income Loans:

Some people make a ton of money, but have a great tax man so that their tax returns show little or no income. We understand the realities of aggressive tax manipulation. As such, with reasonable credit and an ability to show income (via bank statements or other similar methods), we can use your statement of your income to get you qualified.

No Doc, No Asset, No Job Loans:

Do you have a great tax man? No bank accounts? No Job? Couldn't prove the ability to buy a hamburger? But REALLY GOOD credit? If so, you just have to prove that you are still breathing) It can be reasonably assumed that you have an income from some source to pay your existing obligations so... Even though we can't verify anything -- as with the stated income loan, we can use your statement of income and ability to pay to get you qualified.

Bad Credit No Down Loans:

Do you have big credit problems? This doesn't mean that you can't buy -- It simply means that you might have to use creative financing techniques to become a home owner. We have all loan programs needed to implement these techniques.

No Credit, No Down Loans:

Many people believe that buying a home is difficult and requires the establishment of substantial good credit before they may take that important step to home ownership. That is absolutely untrue. The truth is that it is easier to buy than to rent -- and no credit is much better than bad credit. Many of the newest government programs will allow the person with absolutely no credit and no money to buy.

Credit Challenged Loans:

Do you have a recent Bankruptcy? Charge offs? Late Payments? Collections?, etc... but you have some down payment to work with? If so, you can still buy! We have the largest assortment of sub prime loans to provide financing even with these issues. What's the drawback? The corporations that actually fund these loans, know that they are taking a risk. As such they require a slightly higher interest rate to compensate for that risk. If the rate for the person with perfect credit was 6.5% you can expect that these loans would be around 8%.

Is it worth it to pay the higher interest rate in order to become a homeowner? Only you can really answer that question -- but many have found that when you take into account the tax write offs you will receive, the money you will earn from appreciation, the security of home ownership (the landlord will never again tell you to move because he needs a place for his cousin), most people agree that the higher interest rate is definitely worth it.

NOTE: If you buy the property and then work on the credit issues, your home can be refinanced to a low rate within 6 months.

Hard Money Loans:

We have a myriad of sources for funding, so that no matter what your credit, no matter what your income, no matter what your down payment, as long as the loan that you need is no more than 65% to 75% of the subject property's value (as distinguished from price), we can fund it -- whether for a purchase or refinance.

Debt Consolidations:

Do you own a home with equity? Do you have some car payments and credit card payments that are costing you a fortune? A properly structured debt consolidation can pay off those high interest, high payment loans -- merge them into one low house payment and save you hundreds per month!

125% Refinances:

Do you own a home with No Equity? We can still save you hundreds per month.

Commercial Loans:

Rates and Structuring requirements of commercial loans is highly fluid and changes almost with the wind. Apprise us of your situation and needs-- One of our professionals will work to give you the best options presently available.

DID YOU KNOW? Right now, at this very moment-- whether you own or not -- you are buying Real Estate? -- The only question is -- are you buying it for yourself and family?-- or are you buying it for your landlord? Why rent when you can buy? We show you exactly how to take advantage of the newest LOW and NO Down AND LOW Interest Financing Programs...

Whether you are looking to Purchase a home, Refinance, or Consolidate Debts-- even if you have past or current credit problems, We have available the best rates, the best terms and the most liberal qualifying criteria..

To become pre-approved for a loan, CLICK HERE

Since rates and programs change daily-Not all programs may be available at any certain time