The financing of your home is often the
single largest transaction of your life. We feel a special duty
to each of our clients to thoroughly examine your needs and provide
you with the loan program that best fits your unique circumstances
We want your business for life and we want you to recommend us
to your family and friends. We can’t expect you to remain
loyal to us if we don’t continually provide you with the
best possible financing options at the highest level of service.
Take a moment to complete the information in the application and
we’ll contact you with a recommendation and an assortment
of program options. We will also provide you with a pre-qualification
letter to assist you in negotiating the purchase of your home.
Perhaps you are wondering if you should
refinance. There are many good reasons to do so and some circumstances
when you shouldn’t. Take a moment to complete the information
in the application and we’ll contact you with a recommendation
and an assortment of program options.
Often the decision to refinance is related to a specific reason
or goal. We’ll assist in identifying that need and guide
you to the financing program that best fits with that objective.
It may be to your best advantage to obtain
a home equity line of credit (“HELOC”). This loan is
like a credit card, but with a much lower interest rate that is
often deductible. (You should consult with your CPA on this issue.)
You can continuously use it up to your credit limit and pay it
down so that the monthly payments are lower.
Another option for using your home equity is a second mortgage.
This type of loan has a fixed rate with longer terms over a fixed
period of time. These loans are amortized - your monthly payment
is applied to principal and interest. You receive the amount of
money you borrow in one lump sum. For this reason, home equity
loans can be ideal for longer-term financial goals.