FHA Streamline

Are you currently in an FHA loan? You have the ability to refinance NOW when rates are at an all-time low!!

• Bad credit? No credit check!
• Home worth less than you owe? No appraisal!
• Laid off or not making much money? No income and employment verification!

All we verify is that you've paid your FHA loan on time!

Example savings: On a loan with a balance of $165,000 at 6.50%, you could potentially have a monthly savings of $140!! On top of that, over the life of your loan, a possible savings of $56,587!!

Sound too good to be true? It's not - we're closing these loans in less than 10 BUSINESS DAYS!!

Call me TODAY while rates are at an all-time low!


VA Financing (Zero Down)

VA home loans are to help veterans finance the purchase of homes with favorable loan terms.  There are  members of the Selected Reserve, active duty personnel and certain categories of spouses that may also be eligible for VA loan financing.  You will need to provide a Certificate of Eligibility from VA to prove to the lender that you are eligible for a VA loan. 

VA loans offer many benefits for the veteran;

Ensure that veterans are given equal opportunity to buy homes with VA assistance

No downpayment (unless required by lender or if the purchase price is more than the reasonable value of the property)

Limitations on closing cost

Allows seller/lender concessions to help pay closing cost

Single family residences and manufactured homes can be financed

There are some other benefits that you may want to check on.  A great resource for any questions regarding eligibility and all benefits can be found at http://www.va.gov/ 

VA loans are unique and have features that only apply to them.  VA-guaranteed loans are made by lenders (banks, savings and loans or other mortgage companies).   If the loan is approved, VA guarantees the loan when it is closed.  The guaranty means the lender is protected against loss if you fail to repay the loan.  The guaranty amount does vary depending on the sales price of the home but generally goes up to a max of $36,000.  VA loans are for primary residence only and require full documentation for qualifying.  VA loans also do not have any monthly mortgage insurance but they do have a funding fee.  The funding fee is a percentage of your loan amount that is generally financed into your loan.  The funding fee does vary depending on which type of service you were classified as (regular military or reserves/ National Guard).  Money for down payment can also lower the amount of the funding fee.  Veterans that are disabled may also be exempt from paying the funding fee.

USDA Financing (Zero Down)

This product offers 100% Financing for qualified buyers as long as they fit into a geographic and income bracket   In order to be eligible for many USDA (United States Department of Agriculture) loans, household income must meet certain guidelines. Also, the home to be purchased must be located in an eligible rural area as defined by USDA. To search for eligible property locations go to the following link and click the "accept" button: http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp&NavKey=property@11

Unique features of this loan are:

No down payment required

580 minimum Fico score for most lenders

Buyer cannot own another property at closing

No monthly mortgage insurance required

One time financed Funding Premium of 2.000% is financed into the loan amount, much like FHA

Underwritten to general FHA standards

Competitive interest rates

6% seller/lender contribution allowed



10% Down Jumbo Financing

Loan amounts up to $650,000

No mortgage insurance

Very competitive Rates

700 Fico Score required

45% Debt-to-income ratio limit

Primary Residence Only