Get A New Residential Home Mortgage

Are you concerned about being charged too much? Do you have a unique situation? Do you think that you cannot qualify because you cannot prove a high income, or because you don’t have a down payment? We can introduce you to programs that fit your situation.

If you have credit scores under 550, or you need a co-borrower on the mortgage, visit our credit repair/debt settlement area to explore solutions.

Otherwise, use the button below to fill out the information form and get started.

Refi Your Mortgage

Let’s keep it real. If your credit is under 620, and your loan is not an FHA Loan with a Streamline program for current “existing” FHA borrowers, you will only be eligible for a small portion of a refi. This means that to get any money, your house would have to be very close to being fully paid off.

Getting yourself above a 620 credit score is a must, even for a rate reduction for a VA Loan. Consider paying down balances on other accounts 30 days before applying. If you need help getting to that magic score, visit our credit repair/debt settlement area to explore solutions.

Use the button below to fill out the information form to get started.

Finding a Realtor

Your Real Estate Agent should always put you first, and not closing the deal first. Some real estate agents will inflate another party’s property’s value, or reduce the value on your own home, just so as to eagerly make a sale. Your agent should be proficient in probing, and articulating and inspiring others to take action, to see and do business your way. They should be knowledgeable about the value of things like designer cabinets, or extra sized hot water tanks for long showers (if there are teenagers), or about surrounding areas and the ranking of the nearby public schools and public parks.

It is imperative that your agent be skilled in reading contracts, for any nuances (fine print), and to clearly explain all related matters to you fully, and clearly ,and concisely. Their experience and value is a huge value, for your large financial transaction.

Get yourself high quality representation.

Avoid Losing Your Residential Home To Foreclosure

Are you behind or late on your mortgage, and you can’t get refinanced due to damaged credit? Is foreclosure looming on the horizon? Do you have $80,000 or more in equity in your home? Do you want to keep the majority of your equity, and still stay in your home?

Great news, real and viable solutions are available. Fill out the information form to be quickly contacted by a Financial Home Saving Specialist.

Let’s solve your Residential challenge.

Personal “Consolidation” Loan (Bridge Loan)

A Bridge Loan is used to bring down the balances for your maxed-out credit cards to boost your credit score so you can later apply for other loans.

One genius strategy that can be employed is:

  • Get a Bridge Loan to pay down your balances, ideally under $150,000
  • Soon qualify for low or zero interest credit cards or low-interest lines of credit
  • Use those new low-interest options to pay off the higher interest bridge loan

This is not inexpensive. You will likely pay 9 points of interest on the Bridge Loan. It is helpful to think of it as a long term investment – 1% per year extra for the next 9 years.

You should have NO blemishes on your credit report to consider a strategy like this. If you have any blemishes on your credit, visit our credit repair page to explore solutions.

Use the button below to fill out the information form to get started.

Need to borrow against your 401(k) or IRA?

If you are at least 56 years old, and you have over 25k in reserves, you can only borrow up to 50% of the account value while avoiding virtually all penalties and extra taxes.

Fill out the information form to be quickly contacted by a Financial and Credit Specialist.

Let’s work together to get you money.