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  Which Loan is Right for You?
    
First mortgage 
- just to lower your rate  
- to take cash out - up to 90% at good rates
- or cash out to 100% at higher rates
 
Second mortgage 
- when your first mortgage rate is low 
- when you need 95%, 100%, or 125% of your home's value

Home Equity Lines of Credit (HELOC) 
- rate based on prime 
- rate varies, as the balance can  
- when you don't need all the money right away, but you want access to it

 
         Can save you money!
We specialize in refinancing.  That allows us to eliminate costs and provide the lowest rates around!  No money out of pocket.

Low cost and no cost mortgage available.  (but - the rates are higher.  We'll can help determine what's best for you.)
   
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