Speak with a Mortgage Banker

 269-806-2988
  • No matter what type of loan you need, we're with you every step of the way.
    No matter what type of loan you need, we're with you every step of the way.
  • The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.
    The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.
  • Let us be the stepping stone to the home of your dreams.
    Let us be the stepping stone to the home of your dreams.
  • REFINANCING is easy with our professionals' help.
    REFINANCING is easy with our professionals' help.
  • We make Refinancing a breeze!
    We make Refinancing a breeze!
Sample Image

Become a HomeownerGet pre-qualified for your new home.

Sample Image

Refinance your Mortgagesave hundreds on your monthly payments


Advanced Lending Solutions

We are a full service mortgage broker specializing in hard-to-place residential home loans. Most of our clients come to us after being denied by local banks or after going through a stressful experience with a different lender.  Our goal is to help as many people as possible realize the dream of homeownership.


Low Credit Score Programs

90% FHA, VA Financing down to 500 FICO scores
100% USDA Financing down to 580 FICO scores
96.5% FHA Financing down to 580 FICO scores
100% VA Financing down to 580 FICO scores
97% Conventional Financing down to 620 scores


NO Down Payment Programs

100% Financing for FHA borrowers down to 580 FICO scores
100% Financing for USDA borrowers down to 640 FICO scores
100% Financing for VA borrowers down to 580 FICO scores

Bank Statement Programs 

Use business deposits for your income.  Use 2 to 24 months of personal or business bank statements to qualify.  No Tax Returns, paystubs, or W2’s needed.  Withdrawals and balances aren’t considered, only deposits. Up to 90% financing!


No Doc Primary Residence Programs
No Tax Returns, W2's or paystubs needed.  No employment verication.  Only 25% down needed for purchases.  Cash out refinances available up to 75% of appraised value after only 6 months of ownership.

No Doc Investment Property Programs

No Tax Returns, W2’s, or paystubs needed. No employment verification.  Only 15% down needed for purchases. Cash out refinances available up to 80% of appraised value.  Appraised value considered after only 3 months of ownership.  Blanket loans covering 7 properties or doors also available!


Fix & Flip

No Tax Returns, W2’s, or paystubs needed. No employment verification. Lines of credit up to $5 million. Will finance up to 90% of purchaseprice and 100% of rehab costs. You can either fix and flip or fix and hold.  Take your investment portfolio further with this exciting product!

 

*Based on a minimum loan amount of $75,000. Additional restrictions may apply. Please contact a loan officer for additinal details

Recent Articles

Jul
30
2025
Housing Market Confusing? Here’s Why You’re Hearing Mixed Messages
As we move into the second half of 2025, many homebuyers are wondering… what exactly is going on with the housing market? Some headlines say the market is heating up. Others claim it’s slowing down. Both seem true—and here’s why. Two Housing Markets Are...
Jul
23
2025
Could Removing Capital Gains Taxes on Home Sales Revive the Housing Market?
As we review housing market activity over the past six months and into the early weeks of Q3, signs point to ongoing challenges: limited housing supply, reluctant sellers, and high mortgage rates continue to slow momentum. Now, a new proposal is generating conversation across the...
Jul
16
2025
Game-Changer: Credit Scores Just Got Rewritten
If you’re considering buying a home, your credit score plays a key role in qualifying for a mortgage—and even determines your interest rate. Recently, a big change was announced by the Federal Housing Finance Agency (FHFA) that could affect how lenders evaluate...
Jul
08
2025
Should You Buy a Home Before Your Divorce is Final? Here’s What to Know
Life doesn’t always follow a neat timeline. If you’re going through a divorce, you might be eager to start fresh in a new place. But buying a house before your divorce is finalized can come with serious complications—both financial and legal. Before you make any...