Premier Services

Mortgage Financier Extraordinaire - Premier Services:

  1. Access to Multiple Lenders:
    We provide access to a broad spectrum of 100+ lenders, helping us find the best loan options, program and rates tailored to their needs.

  2. Expert Guidance:
    We will guide your clients through the home-buying journey, from explaining loan types (fixed-rate, adjustable-rate, government-backed) to choosing the right mortgage program for their financial situation.

  3. Loan Pre-Approval:
    We help clients get pre-approved, giving them insight into what they can afford and giving them an advantage in competitive markets.

  4. Negotiation:
    We negotiate with lenders to secure favorable terms, lower rates, and reduced fees, potentially saving thousands over the life of the loan.

  5. Additional Services:

  1. Credit Counseling and Supreme Credit Cleaning services:
    We offer credit counseling and full Credit Cleaning services to drastically improve credit scores in real time, enhancing eligibility for mortgages and lowering interest rates.

  2. Rate Negotiation:
    Our strong relationships with over 100 lenders with multiple loan programs, helps us secure the best possible rates and loan terms for clients.

  3. Loan Processing:
    We handle loan processing and underwriting, ensuring everything is completed on time and efficiently reducing the need for contract extensions.

  4. Closing Coordination:
    We coordinate the closing process to ensure everything runs smoothly and all parties are prepared.

Game-Changing Loan Programs: With the lowest Wholesale Rates in the Industry regardless of Program/Credit score.

  • Rates Starting at 5.25%: Competitive interest rates available for qualified borrowers.

  • Free Appraisal: Included with every purchase loan.

  • Expedited appraisals completed in 10 days or less.

  • Verification of Employment: Streamlined process eliminating the need for extensive documentation. (W-2's, pay stubs, tax returns)

  • Gift Funds: Accepted on all purchase programs.

  • No DTI Cap for Conventional and FHA Loans: Debt-to-Income ratio determined by automated underwriting system (AUS).

  • Conventional 1% Down with No PMI: A new program allowing for low down payments with No Private Mortgage Insurance (PMI).

  • 100% FHA Financing: Available for borrowers with mid-scores as low as 580.

  • 100% VA Loans: No down payment required for veterans and active military personnel.

  • USDA Loans: 100% financing for rural areas with competitive rates.

  • FHA Loans: Flexible credit requirements and low-down payments, ideal for first-time buyers or those with past financial difficulties down to 500 fico score and /or no credit score with non-traditional trade lines.

  • Conventional Loans: Lowest wholesale rates on the market for borrowers with stronger credit.

  • Verification of Employment-Only: Simplified process, no income documentation required.

  • Foreign National loans for buyers from different countries other than U.S.A.

  • Rehab Financing: Combine property purchase and renovation with a single loan.

  • Low Credit Score Loans: Financing available for clients with scores as low as 500.

  • Construction Loans: Financing for custom ground up home construction.

  • Credit Repair Assistance: Helping improve credit profiles for better loan terms.

Specialized Programs for Self-Employed Borrowers and Investors:

  • 12-month Bank Statement Programs: For self-employed borrowers using personal and business accounts.

  • Profit and Loss Only programs: for self-employed borrowers.

  • 1099 Only Programs: For General and/or sub-contractors who receive a 1099 annually.

  • Asset Depletion Programs: Use assets as income for borrowers with assets and no verifiable income.

  • No Income Verification Loans for Investment Properties: Debt Service Programs for investors.

  • Land & Investment Property Financing: Financing for land purchases or investment properties.

  • Hard Money Loans: Quick, short-term funding for property purchases no credit restrictions up to 70% LTV.

  • Stated Income Loans: For self-employed individuals without traditional income documentation.

  • Commercial Financing: Loans for business ventures and commercial properties.

Proudly serving clients across 28 states, offering a wide range of loan programs tailored to different market needs. My goal is to help homeowners, investors, and business owners across the country achieve their financial goals, no matter how complex their situations may be.

Personalized Service & Efficient Process:

  • 15-Minute Pre-Qualification: Fast, transparent loan pre-qualification, with pre-approval letters issued in most cases.

  • $500 Vouchers: To assist with select costs throughout the loan process.

My goal is to provide tailored loan solutions that align with each client’s homeownership, investment, and business objectives.



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