Retail Lending
When OTHER Lenders say NO, WE may say YES
CLOSE ON TIME, IT'S NOT DIFFICULT
We work hard for your success
We are an approved Fannie Mae seller/servicer,
FHA approved Title II and Portfolio Lender licensed in multiple states.
Products

We offer a wide array of loan options to fit virtually every need Including;
Agency, FHA, Jumbo, HELOC and Portfolio programs.

Rate/Pricing

Check out our great rates on all of our loan products.
Our company continues to strive to offer our clients competitive interest rates.

Technology

We make your loan processing easier.
With just a couple of clicks, you can register and close your loan.

Find Our Offices & Contacts
Close On-Time, It's Not Difficult Quick, Simple, and as Hassle-free as possible
01 Mortgage Payment Calculator
Estimate your monthly mortgage payment, including taxes and insurance. Use our calculators to run the numbers for yourself.
02 Should I Rent or Buy a Home ?
Should you buy or should you rent? Only you can answer that question, but our Rent vs Buy Calculator will help you make this important financial decision.
03 How Much Home Can I Afford?
Determine how much house you can afford. home affordability calculator will help you understand how much you may be able to afford.
04 FIXED vs. ARM ?
It is a difficult decision to decide between a fixed and an adjustable-rate mortgage.
This calculator will help you determine which home loan option is better.
05 Process of a Loan: What to Expect
Our goal is to help make the home loan process as clear and informative as possible. A better understanding of the process can help ensure your loan closes on time. A step-by-step guide so you know what to expect from application to closing.

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Refinancing, Should I Do It? Compare rates, repayments, fees and more.
01 Mortgage Payment Calculator
Estimate your monthly mortgage payment, including taxes and insurance. Use our calculators to run the numbers for yourself.
02 Should I Refinance?
Refinancing can save you money over the life of your mortgage by allowing you to lock a lower interest rate and reduce your monthly payments.
03 Which is Better 15 Year or 30 Year Fixed?
Our 15-Year Versus 30-Year Mortgage Calculator will help you compare the benefits of having a shorter versus a longer loan term.
04 Process of a Loan: What to Expect
Our goal is to help make the home loan process as clear and informative as possible. A better understanding of the process can help ensure your loan closes on time. A step-by-step guide so you know what to expect from application to closing.

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All the Options under One Roof

Conforming Fixed & ARMs
  • For homes in median to low-cost areas
  • Loan amounts to $510,400 for single family residence
  • Fixed-rate: 10, 15, 20, 25 and 30 year terms available
  • Adjustable-rate: 3/1, 5/1, 7/1 and 10/1 terms available
  • Down payment as low as 3% available
  • Lender paid Mortgage Insurance available
  • Primary residence, second homes and investment properties
High Balance Fixed & ARMs
  • For homes in higher-cost areas
  • Loan amounts above $510,400 up to $765,600
  • Fixed-rate: 10, 15, and 30 year terms available
  • Adjustable-rate: 3/1, 5/1, 7/1 and 10/1 terms available
  • Down payment as low as 5% available
  • Lender paid Mortgage Insurance available
  • Primary residence, second homes and investment properties
Expended High Balance Fixed & ARMs
  • Loan amounts up to $765,600 with no county loan limits
  • Fixed-rate: 15, and 30 year terms available
  • Adjustable-rate: 5/1, 7/1 and 10/1 terms available
  • Down payment as low as 10% available
  • No Mortgage Insurance available
  • Primary residence and second homes
FHA Fixed & ARMs
  • For homes in median to low-cost areas
  • Loan limits apply for a single family residence
  • Fixed-rate: 15 and 30 year terms available
  • Adjustable-rate: 5/1 term available
  • Down payment as low as 3.5% available
  • Less than perfect credit is allowed
  • Primary residences only
FHA High Balance Fixed
  • For homes in higher-cost areas
  • Loan limits apply for a single family residence
  • Fixed-rate: 15 and 30 year terms available
  • Adjustable-rate: 5/1 term available
  • Down payment as low as 3.5% available
  • Less than perfect credit is allowed
  • Primary residence
Jumbo Fixed & ARMs
  • Loan amounts up to $3 million
  • Fixed-rate: 15 and 30 year terms available
  • Adjustable-rate: 5/1, 7/1 and 10/1 terms available
  • Interest Only: 5/1, 7/1 and 10/1 LIBOR ARM's
  • Down payment as low as 10% available
  • No mortgage insurance required
  • Minimum credit scores can be as low as 680
  • Primary residence, second homes and investment properties
  • First-time homebuyers permitted
Extened Jumbo Fixed & ARMs
  • Loan amounts up to $2 million
  • Fixed-rate: 15 and 30 year terms available
  • Adjustable-rate: 5/1, 7/1 and 10/1 terms available
  • 10% down payment required
  • No mortgage insurance required
  • Minimum credit score of 661 required
  • Primary residence, second homes and investment properties
NO TAX RETURNS
SALARY BORROWER(S)
We will only use Written Verification of Employment form executed by the employer for qualifying purpose to make an estimate of your ability to pay.
SELF-EMPLOYED BORROWER(S)
We will only use the year-to-date profit & loss statement for qualifying purposes to make an estimate of your ability to pay.
  • Loan amounts up to $3MM
  • 30 year Fixed & 7/1 ARM available
  • Down payment as low as 20% available
  • Credit scores as low as 640
  • Primary residence, second homes and investment properties
  • First‐Time Home Buyers are allowed
CREDIT ISSUE
One day after a bankruptcy, foreclosure, or short sale.
  • Loan amounts from $100,000 to $1 million
  • 30 year fixed & 5/1 ARM available
  • Down payment as low as 15% available
  • Minimum credit scores can be as low as 580
  • SFR, PUD, Condo & 2-4 Units
  • Primary residence and second homes
Piggyback HELOC
  • Down payment as low as 10.01% available
  • Purchase and refinance options available
  • 10-year draw period, 20-year repayment period
  • Variable interest rate based on the Wall Street Journal prime rate¹
  • Eliminate PMI with a Home Equity Line of Credit
  • Avoid jumbo financing, which typically has limited availability and higher rates

Resources

The happiest homebuyers are usually the most educated ones.
Here are some tools and resources to help guide you through the entire home buying process.
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PROCESS OF A LOAN

A better understanding of the process can help ensure your loan closes on time. A step-by-step guide so you know what to expect from application to closing.a loan.

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MORTGAGE CALCULATORS

Please note when using the Mortgage Calculators that your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan.

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ASK CFBP

CFPB toolkit booklet that guides consumers through the process of shopping for a mortgage and buying a house.

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