We work hard for you. We don't change loan terms. We cover step by step the loan process to make you feel at ease. You will know what point you are at and a time-frame to completion. FULL UP-FRONT disclosures, The BEST RATES available. We know the market and keep an eye on the rates throughout the day. We know the best possible time to lock the loan.

     MOSTLY - We get to know you, we find out about your plans and your direction. Where do you see yourself in 5 or 10 years? What do you want to accomplish? This is all vital to not only the loan process but the relational part of it. I'll tell you how. What you plan on doing helps us determine what the best type of loan fits you. Is this you dream home? Is it a starter home. We find the type of funding necessary to fit your needs. Plus we have a variety of lenders that have their own specialties. We will find the best lender for your needs. A lender is like an Art Gallery and it's investor's are it's critics. They only accept the finest art. They don't want any Polaroid snapshots. They won't accept paint by number. And, they certainly aren't interested in paintings that are incomplete or not very marketable. Our job is to ( by the stroke of the brush ) paint your financial portrait in such a way that it makes them desire, yes desire you as a client. a portrait that any Art Gallery would want in their most esteemed position. We accomplish this goal by getting to know you and by our skill and ability to paint the most superb portrait possible. We know what to ask and how to present it. Put the brush in our hands and tell us who you are and we'll make even the stanchest critic stop and gaze at your portrait.

     MORTGAGE MODIFICATION, LOAN RECASTS, LOAN REDUCTION!!!! Many names are being used but WATCH OUT! Like the people selling water for $20 a gallon after a hurricane, or actual ambulance chasers ( attorney's handing out their card at car wrecks ). The roaches have come out. NEVER, NEVER, NEVER pay upfront fees to reduce your mortgage. A legitimate company will research and verify if it is even possible. We work with a professional, respected team of Attorney's that research and verify, based on your actual income and expenses and all financial data gathered wether we can help you or not. Then and only then will we proceed and with a money back guarantee that we will lower your payment and lower your principle. We can not guarantee any amounts because our attorney's will be in negotiations to get you the best deal possible. Do not get suckered in with the HOPE FOR HOMES program name being thrown around. Most legitimate recast systems don't even use that program because the homeowner shares ALL equity forever, yes forever with the Government.

Year 1 - 100% goes to Uncle Sam

Year 2 -  90% goes to Uncle Sam

Year 3 -  80% goes to Uncle Sam

Year 4 -  70% goes to Uncle Sam

Year 5 -  60% goes to Uncle Sam

Years 6 - Payoff 50% goes to Uncle Sam

Call us today. We can get the information from you and have a decision to you that will be able to change your financial future.