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When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you.

Buying a new home is a source of anxiety, frustration -- and a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there.

Refinancing your current mortgage has never been easier. If you thought refinancing meant getting buried under mountains of paperwork, think again! We make it easy and worry-free to reduce your interest rate and monthly payment. We can even help you pay down your balance more quickly for comparable monthly payment. Let our professionals guide you to the very best refinanced loan!

Tapping into your home equity is easier than ever before. You've been paying down your balance, and property values have gone up! Tap into that wealth and reward yourself. We'll help with the best program to fit your goals.

Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you. We will help you qualify, apply and be approved for the right mortgage loan for you. Not anyone else!

Please navigate our website to learn more about us, what we do for you, and how easy it is to get started.




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Mortgage News:
 
FHA Commissioner: Raising the Down Payment Requirement Would Hurt Housing Recovery
3/11/2010 1:40 PM

Posted To: MND NewsWire

Increasing the minimum down payment required for a Federal Housing Administration (FHA) loan from 3.5 percent to 5 percent could be a double whammy, affecting both potential homebuyers and the economy as a whole according to David H. Stevens, FHA Commissioner. At the same time, a lower loan to valu...Read More
 
MBS LUNCH: 30 Year Bond Auction Results and Reactions
3/11/2010 12:09 PM

Posted To: MBS Commentary

The previously discussed auction concession must have been sufficient because the long bond auction went very well. Overall, auction demand was well above average---2.89 bids were submitted for every one accepted by the Treasury. 82% of the auction was taken down at the high yield ...Read More
 
Mortgage Portmanteaus -- Brankers and Broanchers vs. Net Branches
3/11/2010 11:48 AM

Posted To: The Garrett Watts Report

A portmanteau means a blend of two or more words and their meanings into one new word. An example is the word brunch meaning breakfast +lunch. Another is smog meaning a combination of smoke and fog. Some would consider a portmanteau a type of word morphing and we agree. Mortgag...Read More
 
MBS MORNING: Supply Concessions Set Up. Targets Outlined
3/11/2010 10:37 AM

Posted To: MBS Commentary

The main theme in the rates market this morning has been a set up for the last Treasury auction of the week :$13 billion 30s. Results to be released at 1pm. The auction supply concession is obvious when looking at both price action outright as well as the long bond's performanc...Read More
 
Lenders Relaxing Non-Agency ARM Regs; High Cost Loan Reporting Guidance; Negative Convexity Defined; New Mortgagee Letter
3/11/2010 9:56 AM

Posted To: Pipeline Press

Who says numbers aren't fun? A top muni bond analyst at Wells Fargo sent THIS to me. Numbers are fun! Sometimes time drags, and sometimes it flies. I came to this brilliant observation yesterday while waiting in the California DMV, waiting for my 15 year old daug...Read More
 
MBS OPEN: Speculative Signs of Reversal in Benchmarks
3/11/2010 7:52 AM

Posted To: MBS Commentary

Good Morning. A nationwide strike has essentially shut down Greece. From the AP : "Thursday's strike — the second in a week — brought the country to a virtual standstill, grounding all flights and bringing public transport to a halt. State hospitals were left w...Read More
 
The Day Ahead: Chinese Inflation Drives Domestic Stocks Lower
3/11/2010 7:21 AM

Posted To: MND NewsWire

Speculation that China may have to tighten its economic policy is pulling investor sentiment lower this morning. Amid positive data on industrial production and retail sales, Chinese CPI climbed 2.7% in February, indicating that the central bank may have to take a more serious approach to slow down...Read More
 
MBS CLOSE: What Can Today Tell Us About Tomorrow?
3/10/2010 4:13 PM

Posted To: MBS Commentary

This is always the question right? I mean, after all, we already know what is available on our rate sheets at the moment, but the most valuable question always asks for tomorrow's MBS prices today. Forgetting for a moment that you'll usually LOSE more money thinking that wa...Read More
 
Mortgage Rates Rise Ahead of Treasury Auction. Fail to Recover Afterward
3/10/2010 3:48 PM

Posted To: Mortgage Rate Watch

Much like Monday, yesterday was a data-less day in the marketplace, leaving me at a loss for words and new guidance. Mortgage-backed securities prices did managed to move higher following a very strong 3 year Treasury debt auction, unfortunately MBS price appreciations were not str...Read More
 
MBS AFTERNOON: Mortgages Playing Follow the Leader with Benchmarks
3/10/2010 2:23 PM

Posted To: MBS Commentary

Heading into the 5pm "what a slow day in the mortgage market" marking period... The FN 4.0 is -0-03 at 98-01 yielding 4.189% and the FN 4.5 is flat on the day at 101 the rock yielding 4.39%. The secondary market current coupon is 4.33%. The CC yield is 61bps over the 10yr...Read More




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