Affordable Home Loans

As a CMPS, Certified Mortgage Planning Specialist, I am committed, qualified and equipped to implement mortgage, cash flow and real estate equity management strategies that help my clients build and conserve wealth, become debt free sooner, and achieve financial freedom safer and sooner. I am COMMITTED to raising mortgage industry standards of practice, ethics and professionalism through individual membership, training and certification.

If you have done business with us please take a moment to complete the survey below. We greatly appreciate your feedback as it is our goal to make each client's mortgage experience pleasant and successful. I highly recommend Deneen to any and all of my clients in need of expert and personal attention that is needed in today's difficult Real Estate Mortgage Market.

Purchasing a home is one of life's major landmarks and for some, it is even a dream come true. We understand the magnitude of this decision and it is our goal to make your transition into home ownership as smooth as possible. Picking out a mortgage that is right for your needs can be confusing, especially if you qualify for more than one kind.

HARP stands for Home Affordable Refinance Program, an initiative from the Federal Housing Finance Agency (FHFA) to assist homeowners whose homes are now worth less than what they owe. HARP applies to primary residences, second/vacation homes and investment/rental properties.

If the current marketplace "loan-to-value" (LTV) requirements and need for a new appraisal have made it difficult or impossible for you to refinance at today's record low interest rates, Affordable Home Loans may be able to help you without needing a new appraisal or meeting previous LTV requirements.The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae.

VA loans help active military members, veterans and eligible surviving spouses become homeowners. This loan program allows you to purchase a home at very competitive interest rates without requiring a down payment or private mortgage insurance. With $0 down, a VA loan is one of the only loan programs that still allows the borrower to finance 100% of the home's value.