OUR STATUS IN TROUBLED TIMES

We operate as a debt free company and maintain respectful views toward mortgage lending and these are what keeps us strong during the current difficult times.

As a hybrid mortgage company we are able to remain strong and offer every available line of financing for your mortgage needs.

During these historically difficult times of the mortgage industry we remain strong and dependable as your lender for all of your mortgage needs.

The market is returning to a more traditional qualification market.  For home buyers this means that credit scores must be higher than previously, that some unconventional programs no longer exist, and that some people will need to have some type of funds for down payments and closing cost or be able to participate in down payment assistance programs to qualify for conventional loans.

We still have many programs available to us as well as direct lending and all government programs to assist everyone possible in obtaining a home or refinancing from an existing risky loan.

We are dedicated to helping everyone continue in the dream of homeownership even in these hard times as wise stewards.