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Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.

Pre-Qualify

It’s important to get pre-approved for a loan which requires verification of your income, credit, assets, and liabilities.  It is recommended that you get pre-approved before you start looking for your new house so you:

  1. Look for properties within your range.
  2. Be in a better position when negotiating with the seller (seller knows your loan is already approved).
  3. Close your loan quicker

Buying A Home

We provide a checklist including documents that are required when you apply for a mortgage. However, every situation is unique and you may be required to provide additional documentation. If you are asked for more information, be cooperative and provide feedback as soon as possible. It will help speed up the application process.

Refinancing A Home

It’s generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments.  View a list of frequently asked questions that can help answer your initial refinance questions.

Home Loans

  • 1% Conventional Loan
  • Adjustable Rate Mortgages (ARM)
  • Balloon Mortgages
  • Commonly Used Indexes For ARMs
  • Components Of ARMs
  • FHA Loans
  • Fixed Rate Mortgage
  • Graduated Payment Mortgages
  • HARP 2.0 Refinance
  • Hybrid ARMs
  • Interest Only Mortgages
  • Reverse Mortgages
  • VA Home Loans

Daniel Shults, CEO/Mortgage Broker

Our mission is to serve our customers with honesty, integrity, and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan. NMLS# 1024051

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