What is the process for a mortgage loan?

We will review your financial documents and credit report and work on several options that fits your needs and financial budget. You will be pre-qualified for shopping a home. Your application will be send to underwriter once you have ratified contract.


What do I  need to do with my student loans to get qualified?

The new solution give homeowners the opportunity to pay OFF student debt with a limited cash out mortgage refinance. Another added feature to this policy change is that it allows borrowers to exclude non-mortgage debt paid by others as part of the loan application process (with the most recent 12 month history & satisfactory payment history) , and make it more likely for borrowers with student debt to qualify for a mortgage loan.


Can I use gift funds for home purchase?

Of course! Donors can be a relative, such as the borrower’s spouse, fiancé, domestic partner, child (or other dependent), or any other individual related by blood, marriage, or adoption (or legal guardianship).

  • Gifts are NOT allowed for investment properties.

What are benefits for 1st Time Home Buyer?

Please call us today. You will get low interest rate with closing cost help for your 1st home loan. We do have grant program which is can be used toward down payment/closing cost-no repayment required. Call us for more details.


What should I do with low credit score?

We will give you a free consultant for your credit score. We also help you to get it improved to get qualified.


What is the requirement for down payment?

We have 3% down payment for conventional loans. If you have concerns regarding about the down payment funds.We also have investors that help borrowers in closing cost. Please call us today and we will go over all the options that suit your needs.


Do you know we can qualify you with $0 payment on you student loan through Fannie Mae?

If a monthly student loan payment ( >$0) is provided on the credit report, you may use that amount for qualifying purposes.

If the credit report does not provide a monthly payment for the student loan, or if the credit report shows $0 as the monthly payment, lender will obtain additional docs to determine if we can  qualify the borrower with a $0 payment or 1% of the outstanding loan balance