Speak with a Mortgage Banker

 269-806-2988
  • No matter what type of loan you need, we're with you every step of the way.
    No matter what type of loan you need, we're with you every step of the way.
  • The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.
    The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.
  • Let us be the stepping stone to the home of your dreams.
    Let us be the stepping stone to the home of your dreams.
  • REFINANCING is easy with our professionals' help.
    REFINANCING is easy with our professionals' help.
  • We make Refinancing a breeze!
    We make Refinancing a breeze!
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Become a HomeownerGet pre-qualified for your new home.

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Refinance your Mortgagesave hundreds on your monthly payments


Advanced Lending Solutions

We are a full service mortgage broker specializing in hard-to-place residential home loans. Most of our clients come to us after being denied by local banks or after going through a stressful experience with a different lender.  Our goal is to help as many people as possible realize the dream of homeownership.


Low Credit Score Programs

90% FHA, VA Financing down to 500 FICO scores
100% USDA Financing down to 580 FICO scores
96.5% FHA Financing down to 580 FICO scores
100% VA Financing down to 580 FICO scores
97% Conventional Financing down to 620 scores


NO Down Payment Programs

100% Financing for FHA borrowers down to 580 FICO scores
100% Financing for USDA borrowers down to 640 FICO scores
100% Financing for VA borrowers down to 580 FICO scores

Bank Statement Programs 

Use business deposits for your income.  Use 2 to 24 months of personal or business bank statements to qualify.  No Tax Returns, paystubs, or W2’s needed.  Withdrawals and balances aren’t considered, only deposits. Up to 90% financing!


No Doc Primary Residence Programs
No Tax Returns, W2's or paystubs needed.  No employment verication.  Only 25% down needed for purchases.  Cash out refinances available up to 75% of appraised value after only 6 months of ownership.

No Doc Investment Property Programs

No Tax Returns, W2’s, or paystubs needed. No employment verification.  Only 15% down needed for purchases. Cash out refinances available up to 80% of appraised value.  Appraised value considered after only 3 months of ownership.  Blanket loans covering 7 properties or doors also available!


Fix & Flip

No Tax Returns, W2’s, or paystubs needed. No employment verification. Lines of credit up to $5 million. Will finance up to 90% of purchaseprice and 100% of rehab costs. You can either fix and flip or fix and hold.  Take your investment portfolio further with this exciting product!

 

*Based on a minimum loan amount of $75,000. Additional restrictions may apply. Please contact a loan officer for additinal details

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Watch Out for these Red Flags When Buying a Home “As Is”
While house hunting, you might have seen some listings of homes sold “as is.” Home buyers might find these types of homes attractive because they’re typically priced lower than similar houses. Before you purchase an “as is” home, you must be able to...
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Concessions You Can Get Even In A Seller’s Market
Who doesn’t want to get a good deal on a home? It’s normal for home buyers to try and negotiate with sellers to get the best deal possible. But in this seller’s market, where homes are selling fast and buyers don’t always have a lot of wiggle room to negotiate, you...
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What Does a Home Inspector Look For in a Home You Want to Buy?
It’s easy to fall in love with a home, especially if it looks good on the outside. In a seller’s market where buyers move quickly, some have considered waiving the home inspection to get their offer picked over the competition.  Don’t fall for this trap and decide...
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2022 Real Estate Market Predictions
Real estate market predictions are somewhat like weather forecasts in that no one’s capable of being 100% accurate, but an industry expert can make a reasonably close prediction. With that in mind, here is the general consensus about what to expect in the housing market for the...