I deal with a wide range of lenders which allows me the most flexibility when working with my clients.  I provide my customers with a wide array of lending options.  I understand buying that first home or investment property is one of the biggest financial decisions you will ever make in your lifetime.

Here are some helpful financial resources:

 - Real Estate Glossary of Terms

Finding the right financing is the first step to getting the home of your dreams.  Below are some common loan programs that I can help you secure:

Loan Programs Advantages Fixed Rate Mortgages 30 year fixed 15 year fixed Monthly payments are fixed over the life of the loan Interest rate does not change Protected if rates go up Can refinance if rates go down Adjustable Rate Mortgages 10/1 ARM 7/1 ARM 5/1 ARM 3/1 ARM Lower initial monthly payment Lower payment over a shorter period of time Rates and payments may go down if rates improve May qualify for higher loan amounts First Time Buyer Programs Lower down payment Easier to qualify Sometimes you may get lower rate No point, No fee Programs No closing costs Less money required to close Imperfect Credit Programs Potential for reestablishing credit if you pay your mortgage on time. When used for debt consolidation, you may be able to reduce your monthly debt payment Home Equity Line of Credit You only borrow what you need Pay interest only on what you borrow Flexible access to funds Interest may be tax deductible Home Equity Fixed Loan Fixed payments Interest may be tax deductible