Your satisfaction is important to us. Mortgages are available with different rates, terms, amortization periods, down payments, and rate adjustments. We will work with you to find those with which you are comfortable and suit your terms. As independent mortgage brokers, we receive reduced interest rates that banks and wholesale lenders offer.
Since we have more control over our expenses, we can provide these lower rates to our borrowers. We stay in constant communication with our clients throughout the process. Our desire is that they understand what is happening at any point in time and make ourselves available to them. We provide a friendly face to the process.
Since we have more control over our expenses, we can provide these lower rates to our borrowers. We stay in constant communication with our clients throughout the process. Our desire is that they understand what is happening at any point in time and make ourselves available to them. We provide a friendly face to the process.
Services
Dr. Shafer has been originating mortgage loans since 2015. He has been licensed since 1992 and dealing with real estate finance since then. His specialties are Veteran loans and reverse mortgages. He has great respect for those who put life and well-being on the line for their country and those who through their lifetime have contributed to the prosperity and economy of our country.
We are a licensed independent mortgage brokerage. That means we are free to determine the sources of the funds we lend. Over the years we have developed relationships with different lenders and mortgage industry service providers. These relationships allow us to offer products and solutions that single source originators can not.
The Fixed-Rate mortgage provides a fixed payment for interest and principal payments for the life of the loan. These rates are usually higher than the initial rates of Adjustable-Rate mortgages. A primary benefit of the Fixed-Rate is that there is no unexpected rate change shock. Typical amortization periods are 15 and 30 years.
The purpose of VA home loans is to permit Service members, Veterans, and eligible surviving spouses to become homeowners. A major benefit of these home loans is that no down payment is required. We are honored to be able to offer VA loans for all allowable purposes- purchase, refinance, rehab, and cash out.
USDA loans provide low income applicants to purchase a property with no down payment in rural or suburban areas. The household income must not exceed 115% the area average income. These loans are guaranteed by the United States Department of Agriculture much the way FHA loans are. Similar to VA loans, there is no minimum credit score, although lenders may require one.
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