A win/win is when everyone wins. The client, realtor agent and me. How do we do this?, first we find out what the client's goals are,then we plan a strategy to attaine this goal.

Let me help you on your mortgage, refinance or construction loans. Here are some of the service's that I provide to better service you.

TOTAL COST ANALYSIS REPORT:

Enables you to make the best financing choice by assessing every component of each loan option over a period of time. By understanding the total cost and total benefits, you will have full knowledge to make the best decision.

RATEWATCH REPORT:

Each month, you will see in black and white whether it is wise time to refinance and how your loan stacks up against the current products available in the market.

Ratewatch will also inform you about how much money you can save and how quickly you can build equity by making a small addition principle payment every month. 

 ANNUAL EQUITY REVIEW REPORT:

This service takes an in-depth look at your complete equity and debt position,providing your with all the information you will need to make informed, mature, and timely decision that will optimize your equity.

Your clients will have question on choosing the best loan for them, a fixed rate,adjustable rate (ARM), a hybrid loan, or a goverment loan.Should they buy or refinance and if they buy how much is the loan going to cost for its duration. Or if they refinance what are thier best option, with the srevice I provide. I can present a realistic view of your options. Also what about credit?,I can help you understand your credit score good or bad, can you improve your score?. The service that I provide will answer all their question and more.

Call me and lets put together a plan so our clients can attain thier goals.

What customers wants most is expert advice they can trust, advice that help clients reach thier financial goals.

*I provide a unique experience, not a commodity.

*I focus on advice, not price.

*I focus on the freedom point and the life time value of decisions.

*I deliver my advice in a way that makes its tangible value visually obvious.

*I put my advice in a professional personalized proposal.

*I create and manage relationships, not just close one transactions.

The goal of the Home Loan Guide is to educate you on every detail you need in order to obtain any type of home loan. This would also include a first mortgage, second mortgage, refinance loan, home equity loan, home equity line of credit, debt consolidation loan, and a bad credit loan as well. The most critical step for you is to find a home loan that best fits your needs. With this Home Loan Guide, you will be able to determine what type of loan best fits you and what you will need to do to obtain the best deal for yourself. The Home Loan Guide will arm you with the most powerful tool of all when you Apply for your loan

The first step in getting a loan is determining what type of loan you need. Here is a list and brief descriptions of the most common home loans:

Let us find what's best for you. You can use our purchase wizard or our refinance wizard today to jump start your loan approval process.

The first step in obtaining a loan is determining what type of loan you need. Here is a list of brief descriptions of the most common home loans:

First Mortgage - A First Mortgage is the primary loan that is used to purchase a house or other real estate property. The First Mortgage loan is secured by the lender placing a lien on the house or property that you purchase with the loan. Among all the types of loans, First Mortgage programs offer the most flexibility. They can be at a fixed interest rate or a variable interest rate. These rates sometimes offer great programs such as first-time homebuyer's discount, no closing costs, no money down, 100% loan (a loan for 100% of the value of your home), and pre-approved loans for prospective homebuyers.

A Refinance Loan - A Refinance Loan replaces the original loan or loans on your property with a new loan. This loan can be used to lower your mortgage interest rate or consolidate multiple home loans that you may have on your property. It can also allow you to take out equity on your home by taking out a loan larger than your original mortgage. Also, a Refinance Loan has the same terms as a traditional mortgage loan.

Second Mortgage - A Second Mortgage is a loan that is secondary to the first mortgage. In the event that you default on your loan, this would mean a first mortgage lender would have first rights to the property before the second mortgage lender can stake their claims. Since a second mortgage has a higher level of risk, these loans normally carry a higher interest rate than the first mortgage. When you evaluate second mortgage options, you should decide whether if it is better to get a second mortgage or to refinance your existing mortgage with a larger loan. To help with that decision, you can look at the interest rate of your current mortgage. If that rate is very low, then it would be good judgment to get a second mortgage. If you believe that you can refinance a larger mortgage at or about the same interest rate, then you may be better off using a refinance loan.

Home Equity Loan - A Home Equity Loan is used to withdraw equity from your home without having to refinance your original loan. These loans are normally faster and easier to obtain when compared to a typical mortgage. They are also appealing since you can allow them to fund things such as auto or other miscellaneous purchases and are normally tax deductible. Home Equity loans come in a variety of types and can range from 5 to 30 years. They can also be fixed rate or variable rate.

Home Equity Line of Credit (HELOC) - The HELOC loan is similar to a credit card loan except for the fact that it is secured by a lien against your home and is tax deductible. This loan allows you to withdraw cash only when you need it and normally stays open for approximately 15 to 25 years. The terms on a home equity line of credit include a fixed rate, variable rate, interest rate on unused portion, principal only repayments, and varying rates depending on percentage used. There are also many different loan lengths which normally range from 10 and 25 years.

Fixed Rate Loan - A Fixed Rate Loan is when you pay a fixed interest rate over the lifetime of the loan. These loans normally have a higher interest rate than a variable rate loan. However, they are also protected from upward swings in interest rates.

Variable Rate Loan - A Variable Rate Loan is also known as an adjustable rate (ARM) loan. This type of loan has an interest rate that varies over the lifetime of the loan. The interest rate is normally attached to a benchmark interest rate such as the Prime Interest Rate or the LIBOR rate. The rate can also be adjusted on a daily, weekly, quarterly or even an annual basis.

Debt Consolidation Loan - A Debt Consolidation Loan consolidates all of your credit card debt, personal loans, auto loans, boat loans, and any other loans that you have with one loan. These loans are usually backed by the equity of your home. They are also beneficial since they can reduce your monthly payments and lower your interest rate by a significant amount.

Bad Credit Loan - A Bad Credit Loan is a loan for a person with bad credit. These loans normally have a higher interest rate than a typical loan and are typically made for a smaller percentage of the equity of your home. Bad Credit Loans are also known as sub prime loans.