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

Recent Articles

Mar
13
2024
The Smart Path to Downsizing: Making the Most of Your Retirement
As retirement approaches, ensuring financial stability becomes a top priority for many individuals. Downsizing to a smaller home emerges as a strategic maneuver, offering not only reduced living expenses but also the potential to unlock significant equity. Let's explore how...
Mar
06
2024
"When Should I Consider a Cash-Out Refi?"
So, you're a homeowner. Maybe you've been in your cozy abode for a while now, or perhaps you're just starting to nest. Either way, there comes a time when you might consider a cash-out refinance. But when is it a good time to take the plunge into the world of cash-out refinancing? Let's explore...
Feb
28
2024
Mortgage Partnership: The Power of Co-Signing on a Mortgage
If you're exploring the world of mortgages, you might have come across the term "co-signing" at some point. But what does it really mean, and how does it work? As your local mortgage pro, let me guide you through the ins and outs of co-signing on a mortgage. So, what exactly is a co-signer?...
Feb
21
2024
Navigating Home Inspections: A Buyer's Guide to Uncovering Hidden Issues
Spotting potential problems in a home is crucial for any prospective homebuyer. While a property may seem perfect at first glance, underlying issues may not be immediately apparent. These issues could range from water damage to foundation problems and even troublesome neighbors. Here...