Today, there are over 2350 different types of home loans...most lenders only use 3 or 4.  At any given time, there may be five to ten "special" home loan programs that offer below market interest rates. Surprisingly, most brokers hope you never find out about them!

    You see, in the home loan business brokers earn large fees on some loans and small fees on others. Since many banks and brokers are only interested in earning the biggest fees they possibly can they never tell you about these special home loans.

    Consequently, many people pay needless fees and higher interest rates than they have to.

    Joanne Porter had this problem with her last lender. This time was different...

    She discovered a free service that searchs out the 2350 different loan programs and found the perfect loan that suited their needs.  It saved her $1700 in closing costs. Additionally, she continues to save over $130 each month-because of the below market interest rate.

    Many people are under the misconception that they need thousands or tens of thousands to buy a home thoday.  This simply is not true.

    We have several loan programs that can help you own a home for surprisingly low or Zero Down Payment. We even have programs where your state or local government will assist you with your down payment and closing costs.

    Most real estate and mortgage companies dont have time to keep up to date on all the special home loan programs that become available.

    They feel it isnt worht their time because the special programs usually come and go in a fairly short time period.  Then they are gone.

    We keep up to date on these programs and their guidelines, if you would like to know more about them please call or email me.