The initial step in the loan process is an in-person or phone interview to gather information so I can recommend the kind of loan that will best meet your specific needs based on financial history, down payment, income and desired monthly payment. After this is done, the formal loan application can be finished and processed.

My primary objective is to help you qualify for a loan that best meets your needs and goals at the lowest interest rate available.

I have access to nearly a hundred lending sources with highly competitive interest rates to meet various needs such as:

1. Lowering Your Monthly Mortgage Payments
2. 100% Financing plus Purchase Money
3. Commercial Loans – Apartments – Churches – Motels
   FHA – VA – Conventional
4. No Closing Cost Refinancing
5. Problem Credit Loans Available – Recent Bankruptcies
6. Take Cash Out For Any Reason
7. Turn Your Adjustable Rate Mortgage Into a Fixed Rate Mortgage
8. Land Loans – Manufactured Homes – Log Cabins
9. Pay Off High Interest Debt & Make It a Tax Deductible Payment

Please contact me in the early stages of your home search so I can get you pre-qualified for a loan that fits your needs exactly. Then, when you are ready to make an offer in the competitive real estate market, you will be in a much stronger position with the seller, since you’ve already secured a loan.

Remember, I am here to help. I pride myself at providing superior customer service, while always keeping your best interests in mind.

Give me a call at 530-221-8981 for more information to answer any other questions you may have.