Our Family of Experts can help answer your questions and provide you with the information necessary to make an educated decision.

First Time Home Buyers - How do I know if I'm ready?

Can you make a long-term financial and emotional commitment to a home, a neighborhood, and yourself? Buying a home is like purchasing a part of the American Dream and building a better life. Do it when you are ready to make that kind of investment in your life.  For aspiring home owners who find their goal stubbornly elusive, newly enacted legislation providing a tax credit of as much as $7,500 for first-time home buyers might just be the opportunity of a lifetime. We can help you understand how.

Refinancing - How do I know when it's a good idea to refinance and should I try to get a Fixed Rate?

You need to consider the cost of refinancing, such as application fees and closing costs even prepayment penalties compared to the savings in reducing your rate and monthly payment; and balance those with how long you will be in your present home. You may also want to consider refinancing if you have an adjustable-rate mortgage (ARM), you may want to refinance to a fixed-rate loan if you fear that rates will rise, or if you want the security of knowing exactly how much your future payments will be.

Debt Consolidation - How much debt is acceptable to carry?

Different experts have different opinions, but most agree that borrowers should try to keep all non-mortgage debt to less than 10 percent of their monthly take-home pay. If you're taking home $2,000 per month, this means your credit card bills should rarely, if ever, exceed $200

Cash Out –How much cash out can I get?

Let our staff evaluate your home and your ability to access your home's equity to fulfill your financial your needs. You can get money out of your home and use it for anything you want. Including being able to pay off high-interest credit card debt, buy a vacation home, make repairs or home improvements and increase the value of your home, pay for college tuition or you can even use it as an alternate source of income.

FHA – Government Insured Loans, is one right for me?

We will explain the benefits of an FHA loan and help you determine if it’s the correct choice for your situation.

Reverse Mortgages – Is a Reverse Mortgage right for me?

We pride ourselves in being America’s Reverse Mortgage information Source and can educate you and your loved ones about the benefits of a Reverse Mortgage and if it’s right for you.

Be sure to go to our Helpful Link Page as it has many informative sources.