What We
Offer

A strong pre-approval sets you apart in today’s competitive market. We deliver  accurate pre-approvals so you can house-hunt with confidence. What’s included:

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• Full income and asset review

• Credit analysis and mortgage planning

• Detailed loan estimates with clear monthly payment breakdowns

• Pre-approval letters tailored to specific property offers

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Monthly Payment does not include taxes and insurance. Your payment obligation will be higher.

Whether you're buying your first home or upgrading to your forever one, we tailor loan solutions that fit your lifestyle, financial goals, and timeline.

What we offer:

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• Competitive rates through industry-leading lenders

• Timely closings 

• Local market expertise to help you compete with confidence

• Personalized guidance every step of the way

Buying your first home? We specialize in helping first-time buyers navigate the process with clarity and confidence. What you get:

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• Loan options with as little as 3% down

• Flexible programs like HomeReady, Home Possible, and FHA

• Education on credit, budgeting, and what to expect at every step

• Clear & consistent communication from start to finish

A reliable and popular option for qualified buyers, conventional loans offer lower monthly payments and flexibility for both first-time and repeat buyers.

Why clients choose this:

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• Low down payment options (as little as 3% for qualified buyers)

• No upfront mortgage insurance required (with 20% down)

• Ability to cancel PMI once you reach 20% equity

• Ideal for buyers with strong credit and stable income

Backed by the Federal Housing Administration, FHA loans are a great fit for buyers with limited savings or less-than-perfect credit. FHA loan benefits:

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• Minimum credit score starting at 580

• Down payment as low as 3.5%

• More flexible approval guidelines

• Gift funds allowed for down payment and closing costs

Whether you're lowering your rate, tapping into equity, or shortening your loan term, we’ll find the best refinance strategy for your goals. Popular refi options:

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• Rate-and-term refinance to reduce monthly payments

• Cash-out refinance to access home equity

• FHA, VA, and conventional refinance programs

• Streamlined options for current FHA and VA borrowers

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As a result of refinancing, your total finance charges may be higher over the life of the loan.

Whether you're buying your first home or upgrading to your forever one, we tailor loan solutions that fit your lifestyle, financial goals, and timeline.

What we offer:

​

• Competitive rates through industry leading lenders

• Fast closings

• Local market expertise to help you compete with confidence

• Personalized guidance every step of the way