Are you confused about the whole loan process? Are you looking for someone to provide you with guidance? I've been in the business a long. I walk my clients through the process step by step. Sometimes, this involves providing guidance on how best to raise your fico scores. Sometimes, I provide help on how to save money for your down payment. Once we get past any credit issues and down payment issues, then we need to find a loan program that works for you. I go over all the different loan programs with each applicant. We discuss the pros and cons of each loan product. Then, you choose the product that works best for you. I can do fha loans down to 550 as long as you have a down payment in the amount of 10%. We can streamline an fha loan down to 600 without an appraisal. We also offer va streamline refinances without an appraisal. On conventional loans, if your equity is high enough meaning your loan to value ratio is under 70%, you might be able to obtain a property inspection waiver rather than having to order and pay for an appraisal. We are a local mortgage banker. That means we work with borrowers who have all different types of credit issues. To us good credit, bad credit it really doesn't matter to us. We have a loan solution for you. Don't have any down payment money? No problem. We have options for that as well. Looking for the lowest rate? You've come to the right place. Since we are mortgage broker not a banker, on any given day we shop across the country from New York to LA looking for the lowest rate for our clients. As a mortgage broker, we also have lower overhead. Thus, we are able to pass on our cost savings to our clients in the form of lower interest rates. Why pay a higher interest rate? Give us a call today and we will help you find a loan product that works for you.