Loan Info

Fixed-Rate Mortgage

Provides stability and predictability

With a fixed-rate mortgage, the interest rate remains constant.

A-R-M Mortgage

Ideal for those planning to move or refinance.

An adjustable-rate mortgage offers an initial fixed interest rate.

FHA Loan

5-year variable rate

Designed for first-time homebuyers or those with less than perfect credit buyers.

VA Loan

Exclusively available to eligible veterans, or on active duty.

VA loans are guaranteed by the Department of Veterans Affairs & often require no money down 

Our Mortgage products

Discover the best current mortgage rate in your area

Trust our expertise to secure competitive rates and personalized solutions for your dream home.

Our Mortgages

Quick & Painless Home Purchase Loans

We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request. .We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor..
The Home Purchase Loan Process
Here’s how our home purchase loan process works:
Complete our simple mortgage pre-approval letter request. Receive options based on your unique criteria and scenario Compare mortgage interest rates and terms Choose the offer that best fits your needs. Do I Qualify To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.

How to simplfy Your Refinance Options

How to navigate our refinance options

You use your property

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The type of mortgage

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With fixed mortgages

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Contact us to start saving time and money

Life Decisions

Home Refinance Loans without the Hassle!

We’re here to make the home refinance process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE refinance analysis request.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether this is your first refinance or 7th.

Complete our simple home refinance analysis request. Receive options based on your unique criteria and scenario Compare mortgage interest rates and terms. Choose the offer that best fits your needs. Fill out the form above to help you get started.

Keri Bernardi

Ceo & Founder