Our lowest funded rates in 2003 and 2004:
4.75% 30 yr fixed w/ 1pt & 4.25% 15 yr fixed w/1pt
Do you know anyone with rates this low on a fixed rate loan?  Probably not.  We thought rates would never go that low again.  We were wrong!  2010 ushers in 4.00% 30 yr fixed & 3.75% 15 yr fixed!!!!

Lower again!  2011 ushers in 3.75% 30 year fixed and 3.25% 15 yr fixed, (no apr quoted)

Please fill out the pre-approval form below to find out how low your rate can go!

Applying here for a mortgage loan is a "frustration free" zone where we get you approved in record time! With our online application, automated underwriting and approval process,  we can fax/email you an approval same day!  This saves you time and money!  That's because we take advantage of the very latest and best automated tools to speed you hassle-free toward your purchase of a new home or apartment building, refinance or no cost equity line/loan!

Considering acquiring an investment property? Get preApproved.  You'll have the clout of a cash buyer. You'll know the market price your capable of investing in. Whatever your reason for wanting a mortgage loan, we get you there fast -- without taking our eye off the ball.  We understand and deliver high quality & ethical service in a time frame that meets your needs.  

1st Mortgages,  Major Apartments(5 units & above)  and Residences 
 up to $15,000,000

Conventional/FHA/VA

  Low Down * First Time Homebuyer * Teachers * Public Employees

Special Programs for purchasing Fannie Mae owned foreclosures

 * Equity Lines * Equity Loans *  Construction loans 

*Reverse Mortgage*
(for seniors 62 years of age or above)