My name is Timothy Baudis I have has been doing home mortgages since 2004 and over this time I have developed the needed skills and knowledge to help you finance your home with as little stress and uncertainty as possible. Myself and my team pride themselves on closing your loan on time and with no surprises. We work primarily with Refinances, Home Purchases, FHA + VA Backed Loans, as well as the new Fannie Mae and Freddie Mac 125% LTV Loan. We also specialize in Reverse Mortgages Helping to assist Sr's through the Reverse Mortgage Process

By following the financial markets that affect interest rates and home prices, I keep myself abreast of changing mortgage products and guidelines, and is therefore able to provide the best loan options at the best terms available for his clients. First time home buyers appreciate his patience, knowledge and experience with programs like VA, FHA and USDA. Experienced home owners wanting the best financing for their new dream home appreciate his access to competitive rates and unique or exclusive programs like the DU Refi Plus.

I also wanted to let you know how our bank stands apart from a traditional lender.

AMERICAN MORTGAGE GROUP

1) Direct Lender (Direct Source of funds with no middle-man or Points)
2) Backed by the Federal Housing Administration (in all 50 States)
3) Direct Source of Funds for Fannie Mae
4) Direct Source of Funds for Freddie Mac

What this allows us to do that a traditional bank cannot is as follows:

1) Access rates as low as 3% (because our loans are government backed and guaranteed we can access rates that other banks cannot)
2) Our closing costs are as low as 1,500.00 (we do not charge points and there are no middleman charges. We are a direct source of funds and our closing costs reflect it).
3) No Mortgage Insurance (even if your loan is more than 80% of the value of your home, we have programs that require NO mortgage insurance)!
4) No Appraisal or Income Verification (We have streamline refinance programs available that do not require appraisal or income verification).
5) We can refinance up to 125% of the value of the home. (Even if you owe more than your home is worth we can still help you refinance).
6) Low Income and Credit Score Requirements (Because our loans are government backed and secured we have lower credit score and income requirements than a traditional bank).