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Refinance Purchase

See, what people are saying about us.

900 reviews
4.8 out of 5
Read Our Reviews

  • Justin Zook

    Howard and the team he has around him made my experience a really good one. He was patient with me while getting my documents together and he always had time for a call or a quick check in. If I had to do this all over again he will be my first call! Shout out to his team, Sushi and Diana both worked professionally and helped make the experience wonderful. Thanks all and look forward to working with you again. Think I forgot to mention his rate was almost a full point lower than anyone else offered! Very happy customer!!!

    Loan Officer: Howard Conoly

    NMLS# 1543805

  • Haksong Jin

    The refinance with Mr. Tony Salter was one of the most efficient and smoothest transactions I had. Strongly recommend him for any mortgage need.

    Loan Officer: Tony Salter

    NMLS# 1373749

  • Barry F

    Donald was great he helped me thru the entire loan process kept me up to date on every thing

    Loan Officer: Donald Cooper

    NMLS# 1057416

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What We Offer

VA Refinance

  • Consolidate debt up to 100% of home's value
  • Get cash out up to 100% of home's value
  • Or simply just reduce your rate & payment
  • Switch from an ARM to a fixed loan
  • Shorten the term, get on a 15 year loan
  • Credit scores as low as 500

VA Purchase

  • 100% Financing up to the county loan limit
  • Lower interest rate than any other type of loan
  • You can get up to 4% in seller paid closing cost
  • No Private Mortgage Insurance (PMI)
  • No pre-payment penatly
  • Credit scores as low as 500

FHA Refinance

  • Consolidate debt up to 80% of home's value
  • Get cash out up to 80% of home's value
  • Reduce rate & payment up to 97.75% of home's value
  • Combine 1st & 2nd up to 97.75% of home's value
  • Got a FHA loan already? Ask about a FHA streamline
  • Credit scores as low as 500

FHA Purchase

  • 96.5% financing up to the county loan limit.
  • Relaxed guidelines makes it easy to qualify
  • No pre-payment penalty
  • FHA loans are assumable
  • Credit scores as low as 500
  • You can get up to 6% in seller paid closing cost

Conventional Refinance

  • Get cash out up to 80% of home's value
  • Investment property cash out up to 75% of home's value
  • Combine 1st and 2nd (purchase money) up to 97% LTV
  • Minimum credit score 620

Conventional Purchase

  • For high credit score, high down payment borrowers
  • Usually requires a 20% down payment
  • No Mortgage Insurance with a down payment of 20%
  • Conventional loans usually require less paperwork
  • Minimum credit score 620

Why Choose Us

Our Rates are Smoking Hot

Our low rates coupled with our amazing customer service makes us who we are. Don't settle for a higher rate. Give us a call and get a free quote today.

Low APR Guarantee

We understand how important it is to be competitive in this market. If we can't match or beat a competitors quote, we will give you $250.

No Application Fees

We don't charge any upfront or application fees. At any point if you are unhappy with the process, you may cancel without having to worry about losing your application fees.

VA Loans for Veterans

We take pride in serving those who served us. Majority of our business is VA Loans. We specialize in VA Purchases, VA Cash outs and VA IRRRL's.

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