Refinancing seems to be the catch word of the day, especially with rates at a modern-day low. Whether you are looking to reduce your monthly payment or perhaps to consolidate those ugly high-interest-rate installment loans, create  a college fund, or simply pay for that dream vacation, now is the time  to ACT.  From our point of view, rates can only go up from here.

If you act now, we can lock in at the current rate for up to 60 days...if rates go down in the meantime, you get the benefit of the lesser rate.....if they go up, you get the lock-in rate.

We've got programs to fit all conceivable situations: Cash Out for loans up to  90% of the value of your home; various options depending on your ability to pay associated closing costs, provisions to include those costs in the loan amount, or, Zero-costs as described below.  We have a program for every situation.

Loan rates may vary depending on the option best suited for you, and on the loan amount. Depending on the number of years you plan to be in your home, you may also be surprised to know that lower rates are available even though accompanied by a minimal discount or origination  fee (called points), and, in most cases these points are offset within 5 to 6 years, thus yielding a much lower outlay in the long run.

So, if you are living with a mortgage rate in excess of 6.5%, chances are you are paying too much.  A table of current rates is illustrated elsewhere in this web site.  Please view these as merely a cross section of basic rate plans; for specific ideas of how we can serve your needs, we ask that you give us a call or page to our prequalification questionnaire ,  provide your requirements and let us get back to you with recommendations to satisfy your  needs. You may also e-mail us for specific feedback and information.  Of course we welcome a phone call or FAX.

Note: our prequalification questionnaire is Free with NO obligation to you.  It is used strictly for understanding your requirements and allowing us the opportunity to locate and recommend the best program to suit your needs.

That's right, we 'll find the best available program  to refinance your present mortgage...AND, we'll pick up all the related closing costs. The only obligation to you at the time of loan application is the  Real Estate Appraisal  Fee ($300.00).

The significance of your savings is illustrated in the following example:

Let's assume you are refinancing a $100,000 loan.  First of all, we'll prequalify you for FREE to verify your ability to acquire the new loan.  A helpful prequalificaiton questionnaire  is available here in our web site if you choose to get started now.  Once pre-qualified, we'll ask that you fill out and submit our loan application, at which time  we collect the referenced expense for the  Real Estate Appraisal (total cost to you is $300.00).  We'll locate the best loan for your particular requirements and guarantee a lock-in while we quickly perform the necessary processing steps (credit check, employment verification, etc.).  Once approved, the loan transaction is brought to closure and the following closing costs (normally passed on to the buyer) are documented and paid by us:

Following  is  for example only and is based on market conditions on February 13, 2003.