We specialize in first, and second mortgages, refinancing, bridge loans, renovation loans,  construction loans for both residental and commerical properties.  We offer some of the best programs for both first time homebuyers and as well as existing homebuyer at the lowest rates around for conforming, nonconforming, fha, va, and rural area loans regardless of your past credit history.  We also have some outstanding refinancing programs designed to help homeowner refinance their adjust rate mortgage to 15 and 30 year fixed rates even with mortgage lates. 

     We also offer seller held seconds programs for investors with FHA to help assist buyers along with other down payment assistance programs and no lender paid mortgage insurance programs!!!