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

Nov
27
2024
Fall for Savings: Why the Holiday Season Might Be the Best Time to Buy a Home
Thinking about buying a home this holiday season? While most people are focused on turkey dinners and gift shopping, savvy buyers know this time of year can be packed with perks. Here's why shopping for a home during the holidays could be your best move yet. Mortgage Rates Are Looking...
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Let’s face it—living with your parents has its perks. Free laundry, home-cooked meals, and (hopefully) no rent. But if you’re one of the many young adults still living at home, you might also be feeling a little stuck. And that’s okay—life is expensive...
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Mortgage Rates, Inflation, and a Buyer-Friendly Market: How to Navigate Your Next Home Purchase
Recent economic shifts have left many homebuyers asking: Is this really the right time to buy a home? In light of new inflation data, the answer isn’t black and white. But there’s good news—an increase in housing inventory and slower home price growth are tipping the...
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What the Fed’s Expected Rate Cut Means for You—and Four Key Questions to Watch
As the Federal Reserve prepares to potentially cut interest rates by a quarter of a percentage point this Thursday, it brings a ripple of opportunity—and questions. For many, a rate cut hints at more accessible borrowing costs, potentially sparking new momentum in homebuying,...