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I work for Emery Fed which is part of a credit union. I offer loans in all states and work with over 50 different banks/lenders and have dozens of programs to offer, any where from no money down purchases, jumbo loans, arms, 100% loan to value. Call me today or apply online and get your SMART borrower analysis completed.

Get your life in order - Today. I want to give you control of your life by giving you control of your finances. Unlike corporate bankers or impersonal loan factories, I can come to your home and explain how much money we can save you or do a web conference. It's my responsibility to professionally shop the market for you. The mortgage landscape has changed rapidly in the past few years. I constantly stay informed on what products are available and what is projected to hit the market in the coming months. My exclusive nationwide loan search software can find the lenders, programs and rates that best meets your needs.


Your credit score is the biggest factor on getting a mortgage loan. The higher the score can save you thousands over the life of a loan and allow you to get a loan with a lower down payment. Please read about improving your...
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Do Pay off debts Pay back the debts and loans that you can afford to pay before you plan to refinance. This may help your credit rating and lower your debt to income ratio when qualifying for a new loan. Do not Open any new...
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If the economy or a bad experience has kept you from refinancing, you should consider doing it now. This past year, you've probably heard a lot of talk about mortgage refinancing, such as historically low rates, value...
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