Residential Loans

No matter what your situation, we have a program for you:

We have loans with low down payments. Loans for people with less than perfect (or terrible) credit. Debt-consolidation loans. Refinances with low or no equity. No-income verification loans for the self-employed. "Niche" loans for renovation, new construction, excess acreage, and raw land . Fixed rates and adjustables (and loans in between). Call us NOW. There's a great chance we have a loan for you!

Check out our Mortgage DataBank for a wealth of information about all aspects of the mortgage process! If you want to crunch some numbers, follow this link to our calculators page, where you'll find a tool to give you immediate answers.

We are THE SOURCE for all of your residential mortgage needs. We:

• NEVER TAKE ANY UP-FRONT FEES!
• give you fast, courteous service 
• offer competitive rates and terms
• loan to A-B-C-D credit through Foreclosures
• specialize in non-conforming and hard to place loans
• Will beat any legitimate competitor's offer, GUARANTEED!

We offer you:

• A huge variety of loan products
• Pre-approval within 24 hours
• Fast closing, normally in two weeks
• The security of a professional firm representing your interests
• Free 30-day rate locks

Programs

A few of our most popular loan products:

• First mortgages up to 107% of the purchase price!
• Cash-Out, Rate & Term and Debt Consolidation loans to 115% of value!
• One-Rate, Single Closing Construction to Perm and Renovation to 100% of the Construction Costs!
• No Income Verification (N.I.V.) for Self-employed up to 100%
• Purchase money with No Income,No Asset, AND No Employment Verification - NO JOB!
• Cash out refinancing on investment properties to 100%
• Single family, mixed use, small multi-family (1-4 units), townhouses and condos
• Less than perfect credit OK

Other Prime Credit Products:

• Purchase money to Investors to 100% of the purchase price
• Second homes to 100% 
• 100% Prime Credit 1-4 Family loans!
• Lot loans to 90% of the purchase price

        Unique "Niche" Products:

• Renovation, Construction/Perm & Escrow Lending - Loans based on subject to completion values.
• Excess Acreage - Designed to allow value of more than 5 acres to be used towards the loan amount.
• Blanket Loans - Allows financing on up to three properties by blanketing owned property as security.

	Farm Loans - Allows financing on working and non-working farm property.  Purchase or Re-Finance! Click Here for more information...
	Mobile Home Loans - Single-wide and double-wide mobiles with or without land! Land/Home financing available. Click Here for more information...
	Land Financing - Rural, raw land (unlimited acreage) and sub-division building lots.  Click Here for more information...

Remember:

We will pre-approve in 24 hours. All we need is a completed loan application and a credit release. Submit your application in any of three ways: 

1. Secure On-line loan request form 

2. Download the application and instructions

3. CALL US!

Licensed Virginia Mortgage Broker

Attention: Realtors and Owners

We will pre-qualify prospective buyers in as little as three hours!

Pre-qualifying buyers prior to entering into a contract has helped countless homeowners to avoid taking their home off the market for as much as 30 days, while the buyer applies for and is ultimately turned down for financing. Most contracts are contingent on the buyer obtaining a new mortgage, right? Why not avoid wasting nearly a month by allowing us to pre-qualify your buyer before signing the contract?

To put our Buyer Pre-Qualification program to work for you, simply provide us with the name and phone number of your potential buyer. Within 24 hours, we can provide, at no cost to you a full credit analysis of your buyer and quickly eliminate the need to worry about the sale not going through.

Never any Up-Front Fees!