Looking to purchase a home or want to refinance your existing mortgage?
We offer both purchase and refinance mortgage loans tailored to fit your needs.
Single Family Homes · Multi-family Homes · Condos · Condo Hotels · Foreign Nationals
Investment Property · Second Homes · Construction Loans
Refinancing can reduce your interest rate, your loan term, or even both! Refinance your existing first mortgage or roll your existing first and second mortgages into one to reduce the amount of interest that you are paying and to reduce the time that you have until your house is paid off!
Why should you refinance your mortgage? The lower the interest rate is, the less that it will cost you to borrow the money. As a general rule, if the interest rate is 1 1/2 points lower than what you are currently paying, it's time to refinance your mortgage!
Ask one of our loan consultants to compare your expenses for various loan programs. In most cases you will be eligible for differing loan programs so make sure you consider all of your options before making a choice.
Debt Consolidation Mortgages
Enjoy a higher quality of life through debt consolidation loans, consolidate your high, non-tax-deductible interest credit card debt, student loans, auto loans and any other debt that you may have.
Have other lenders turned you down? Are they charging what seem to be outrageous rates and fees? Give us a try. We are able to give mortgages to some people even if they have previously declared bankruptcy or have foreclosures on property. This is one of the reasons that we are called the " Loan Tailors."
Do you need extra cash? We are able to give you up to 115% of the value of your home (90% conforming) on a first mortgage or up to 125% of the value of your home on a second! Refinance using the equity in your house to make investments, send your children to college, make improvements to your house, or purchase new property.
Are you ready to buy your dream house? We have programs from conforming loans all the way to no-money-down purchase plans. We will work with your real estate agent to provide timely closing to ensure that your experience is a pleasurable one.
For time-critical financing or if you've been turned down for standard types of loans, hard money loans are a viable alternative.
Get the money you need to fund construction projects or pay off high-interest debts. For large purchases, it's a great way to take advantage of the low interest rates and tax benefits that borrowing using home equity refinancing offers.
Questions? Call 716.307.1564 to speak to one of our knowledgeable representatives.
Begin your home loan process today! Our mortgage advisors are standing by. Request a free personalized rate quote* or apply online.
* Our free rate quote is a nonbinding estimated mortgage rate based on your estimated credit score, income and mortgage amount requested. No application is submitted and your credit will not be pulled.