We hope to help you select the best mortgage product for your needs, as there are so many choices that can be made in today's market. Working with lenders for the first half of my career that started in 1983, I discovered that being a broker had so much more to offer borrowers. With a lender, there is one set of guidelines and programs with a huge list of overlays for their underwriters, where being a broker we utilize fourteen different investors, from banks, credit unions to mortgage companies allowing us to have a larger variety of programs, guidelines, etc. to choose from. After completing your application, obtaining your mortgage needs, we will search through our list of investors to find the best program(s) to suit your financial needs, whether conventional, FHA, VA or USDA. Our loan programs cover owner occupied, second homes as well as investor loans whether purchasing or refinancing.