Own your own home! We can help.
The American dream -- home ownership! More people are taking advantage of today's low rates to buy their first home, or their dream home. We're on your side! We help find the best mortgage for you so you can concentrate on getting ready to move in!
If you can imagine it, we can do it. FHA, VA, Conventional, Jumbo, Fannie Mae and Freddie Mac -- and dozens of other ways to help you unlock the doors to your new home.
Before you even start home shopping, get prequalified by one of our mortgage professionals. You'll have the clout of a cash buyer. You'll know how much you can afford. And be well on your way to the mortgage program that's right for you as soon as you make the offer!
You don't pick the house that is best for someone else, you pick the one that's right for you! Trust our professionals to 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! We can help you get there.
Browse our website to learn about today's rates and programs, what you'll need to apply, how easy it is to prequalify and earn the clout of a cash buyer, and how we help find the loan that's right for you. You'll be putting up -- and then taking down -- that SOLD sign in no time!
If you own a home and are just looking to refinance, get a second mortgage or cash out equity, you've come to the right place! There are almost as many loan programs as there are home owners. We'll help find you the right one. You can pay down your balance faster, consolidate high-interest revolving debt, or cash a check to use toward your dream vacation, home improvements, college tuition -- anything you can think of!
Browse our easy-to-use site to become familiar with our people and our programs. Then come visit a mortgage professional who can help you on your way to your goals!
Commercial Real Estate Funding
If you’re new to commercial real estate financing, you’ll want to get a firm understanding of the differences between a residential and commercial mortgage loan. Residential real estate uses a debt-to-income formula for judging your ability to repay a loan while commercial real estate is based on the debt coverage service ratio formula to qualify. This means that to qualify for a commercial loan, you’ll have to know what your projected return on investment (ROI) will be when making a commercial property purchase or refinance.
The cash flow generated from your commercial real estate property will be one of the factors in determining both the value of the property as well as its future return. The type and amount of your commercial loan is also dependent on other factors, including your business and personal credit history, your net worth or financial strength, the type of property and its overall condition, its cash flow, the geographical location of the property, and the general economic outlook of the local market.
The first step to purchasing or refinancing your commercial property is to know exactly how you’ll use the property. What type of property will you acquire? How will the property be used to improve your cash flow and financial goals? How long will you hold the property? Will you be an owner/tenant or just an investor? And do you have an exit strategy? These are all questions you’ll want to think about before applying for your commercial financing.
After you’ve established the market need and use for the property, you’ll also want to analyze its current and future cash flow that will contribute to your ROI. So give us a call today, and we’ll help you get started and answer any other questions you may have.
