Providing affordable mortgages to Northeast PA since 1997. 

Licensed by the PA Department of Banking. Member of the Northeast PA Better Business Bureau, Member of the Pennsylvania Association of Mortgage Brokers (PAMB), Member of the National Association of Mortgage Brokers (NAMB).

Dedicated to saving clients money with innovative mortgage programs, government programs, and proper mortgage planning. Helping clients achieve home ownership with one on one mortgage strategy sessions that enables clients to see all the mortgage choices available.

Call today to see how you can benefit from honest, informed, and practical mortgage advice today.

First Time Homebuyers,  Self Employed, Move Up Buyer Bridge Loans, Affordable Mortgage Programs. USDA Rrual housing loans, VA loans, Commercial loans, Fannie Mae Rehab loans, 100% financing.

Commercial Mortgages: Loans to finance commercial properties. For multi-family homes and apartment buildings, offices, industrial buildings, and retail development plans. Loan to Value typically up to 80%. We can also finance raw land depending on the property and situation.

Construction Mortgages: With one time closing. We arrange permanent financing prior to you acquiring your building lot and starting construction.

Purchase and Remodel mortgages: use the equity difference between the purchase price and the appraised value of the property to finance home improvements.

100% Finance mortgages: 100% financing mortgages are available for some borrowers.

Self Employed or No Income/Asset Verification: Typically a borrowers income is verified either through the last 2 years W2's or in the case of the self-employed their last 2 years tax returns. However in certain cases borrowers prefer not to have their income verified. Depending on the borrowers personal situation they may not show enough net income on their tax returns to qualify for the loan they need.

Some loan programs have No Income Verification options. Typically the interest rates are slightly higher than conventional income verified mortgages. Some "No Income Verification" programs require the borrower to sign IRS form 4506 or 8821 which allow lenders to request your tax returns directly from the IRS.

Programs are also available that do not require verification of assets. These programs are used by individuals who do not want to disclose their assets.

Today, buying or selling a home is one of the largest commitments many people will take on in their lifetime. The complicated process can be made easier with the help from our staff.

When shopping for a new home in Northeastern PA we advise that you prepare yourself before starting the search. Money and valuable time are not to be wasted and following our guide will make your home search experience more pleasurable. You don't need to spend any money until you're ready, and some will find that home ownership is not right for them.

Once you are informed, we suggest implementing your Northeastern PA real estate search, and eventually the mortgage process, with the help of a professional. The small cost of working with professionals will payoff in the end as you won't suffer the mistakes and errors that many first time homeowners experience.

A few words from some of the clients we have assisted with the mortgage process in Northeastern Pennsylvania:

John, it has been a pleasure working with you. You made the mortgage process all so very easy. Thank You.

--Mary & Don F. Wilkes Barre, PA
   Refinance Clients

Many thanks for all your help on the purchase of our new home. We really appreciated the good, quick closing on our mortgage.

--Don & Linda T. Scranton, PA
   Purchase Clients

We want to thank you for all your hard work in making this dream a reality. You made our first time buying a home real easy. Your good sense and kindness will take you far.

--Phil & Sheri R. Scranton, PA
   1st Time Homebuyers

Thanks a million for everything! You helped us out so much throughout the loan. Your advice and guidance are really appreciated!

--Theressa P. Carbondale, PA
   Purchase Client

Thank you so much for all the work you have put into this mortgage. We appreciate how everything was made so simple for us.

--Mike & Tianna B. Scranton, PA
   Purchase Clients

Thank you for all your hard work. You answered all my questions, and gave me the right loan for my situation. Your insight and professionalism made my mortgage transaction seamless.

--Ron P. Dunmore, PA
   Refinance Client