How do I know if I qualify?

There are many ways to qualify for a mortgage, some mortgages are based on the equity of your home, with no income qualifications needed. Others, are based on salary and credit worthiness.

Each mortgage application is treated differently and can be approved subject to your specific needs and qualifications. We are experts in determining how we can process your application and get you the best mortgage rates in the marketplace.

How does bankruptcy affect my qualifications?

If you own a house and do have equity, we can get your home refinanced for you, even if you are not a discharged bankrupt. In order to purchase a home, depending on your downpayment, we can get you a mortgage, provided you are discharged from bankruptcy.

I am business for self and can't prove income, can I still get a mortgage?

Yes, we can still get you approved for a mortgage, the qualifying process is different, rates and terms may vary, upon credit and equity in your property, or your downpayment towards your purchase.

By calling us we will ask 4 simple questions.

1. how is your credit?
2. how much are you putting down, if it is a purchase?
3. what is your income?
4. How long have you been on your job?

How long can you hold a rate for?

Rates can be held from 90 to 120 days. Most rates can drop if rates in the marketplace fall.

Can we arrange bridge financing?

Bridge financing can be arranged depending on the closing time. usually no more than 6 wks

Can we switch from a variable to a fixed?

Depending on the terms of your mortgage you can switch to a fixed rate term any time from a variable rate mortgage

I have bad credit, can I still get a mortgage?

Even with bad credit but with equity in your property we can get you approved for mortgage financing

Can I buy with no money down?

With good credit, job stability and income you can arrange a mortgage with no money down up to 100% of the property value or new purchase amount