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!

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!

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What to know about FHA loans?

It's a common misconception, but in fact, the FHA is not a lender. Nor does the FHA give people money to buy a home or set interest rates on home loans. Rather, the FHA, or Federal Housing Administration, is a federal government agency that offers mortgage insurance on loans originated by lenders that are approved by the agency. This insurance protects the lender in case the borrower defaults on the loan.

The FHA was set up in 1934 after the Great Depression and is a division of the U.S. Department of Housing and Urban Development, or HUD. FHA-insured loans enjoyed decades of popularity, but then fell out of favor during the recent housing boom in part because lenders began to offer subprime loans that had artificially low initial interest rates and monthly payments. These subprime loans have since proved disastrous. As a result, lenders have tightened their credit standards and borrowers have flocked to the comparative safety and familiarity of FHA-insured loans.

In 2007, the FHA backed about $60 billion of residential mortgages. In 2008, that figure is expected to skyrocket to almost $224 billion. That means FHA-backed loans now make up a huge segment of the U.S. mortgage market. For many borrowers, an FHA-insured loan is the only option they have to buy a home or refinance their current mortgage. Our FHA loan comparison questionnaire helps borrowers compare FHA loans with other types of loans.

Who should consider an FHA-insured loan?

According to the FHA's Web site, FHA-backed loans are especially attractive for first-time homebuyers who fit certain criteria.


Buyers attracted to FHA-backed loans



• Have little cash for a down payment and closing costs.
• Have imperfect credit.
• Want to keep their monthly payments as low as possible.
• Are concerned that they may not be able to qualify for a loan.
• Are concerned about the possibility of monthly payment increases