Services

Our business is simple. We help our borrowers take advantage of the low rates available in the national financial markets to get the loan that meets their needs. We don’t simply shop the hundreds of lenders in the country – we know the best players in the markets and make them available to you here in Arizona

•	Home Purchase Loans.  In addition to traditional Fixed Rate and Adjustable Rate products, we can make available a variety of flexible mortgage products. Ask your representative about zero down loans, stated or no income documentation, interest only products, 107% loans, gift of equity, and other innovative programs.
•	Home Equity Loans.  Have you owned your home for five years or more? In the hot local real estate market, you have probably enjoyed a 30% or more increase in your equity. That is your money – your hard-earned savings – available to you now, with little or no cost or increase in your monthly payments. Don’t wait until you need the money and can’t get it out because of an interruption in income through illness, change of employment or retirement. Let us help you take out twenty or thirty thousand dollars to pay off high interest debts, such as credit cards and short-term loans, buy a car free and clear, or put the money in a conservative but liquid investment for retirement or a “rainy day.”
•	Refinance.  If you plan to stay in your present home more than five more years, you will probably save money by re-financing and taking advantage of today’s rates. Let us do a “break even analysis” for you by determining when your payment savings has paid out the costs of the new loan – when you start earning money.
•	Debt Consolidation.  Banish those high credit card and interest rates! Wipe out medical bills and the finance charges on other recurring accounts! Consolidate your debts with a low-interest mortgage loan. Did you know that the debt on an 18% simple interest account doubles every four years? And most credit cards issuers capitalize the interest on your balance at least every thirty days, adding it to the principal on which they are now charging you interest? That’s right, it is interest on interest! Let us get you into a product that will let you see the light at the end of the tunnel.