• 1st & 2nd Mortgages (80/20)
• Jumbo and Super Jumbo Loans
• PMI Buster - 100% Loan with no MI (can be used for loans > 80% LTV
• HELOC (Home Equity Line - open one now and use it as an emergency fund or payoff your high interest credit cards
• Non Conforming (bad credit)
• Interest Only Loans (ask us about the 30 yr fixed with interest only)
• Quick and Easy Loan - For Borrower's with good to excellent credit. get a streamlined, Stated Income and Stated Asset Loan
• Foreign Nationals/Non-Resident Program
• 100% Financing
• Construction/Rehabilitation Loans
• Debt Consolidation
• No Income Verification (Stated Income)
• No Asset Verification (Stated Assets)
• Home Improvement Loans

Purchasing:
You may qualify to buy a property with zero down and zero out of pocket costs. 100% Fianancing programs still exist.

Refinancing to lower your actual monthly payment:
Increasing the term or lowering the rate could reduce your monthly payment. The relation  between the property value and the mortgage debt is a determining factor, providing the standard basic requirements are met.

Refinancing to get cash out:
You could refinance to get cash out without increasing your interest rate, and sometimes even lower it. The relation between the property value and the mortgage debt is a determining factor, providing the standard basic requirements are met.