Whether you’re buying your first or last home, it can get overwhelming at times. We’ve all heard that it’s one of the largest investment purchases of our lives, so our job is to make sure you don’t feel the weight. We educate, communicate, and guide you through the process so you’re not left in the dark. Allow us to take the lead and show you why our clients love us.
House • Townhouse • Condo • Rental • Land • Commercial
Refinance & Renewal
If you’re simply renewing your mortgage, we can offer better renewal options with rates and terms beneficial for you. If you want to refinance and use your equity to invest in other properties, pay off high-interest debt, or for life’s curveballs, let us show you how. Our focus is to provide you a memorable experience that makes you want to talk about us.
With our years of experience and attention to YOUR goals, we are able to you help choose the right options for your future.
If you’re building your dream house or a house to sell, we’re here to help. Our construction services range from single family homes to large multifamily developments (townhomes and condos). We have been specializing in construction mortgages for years and look forward to helping you with your project, big or small, we do it all.
Residential & Commercial
There are many different types of commercial mortgages. We’re fortunate to be one of the few brokerages that have an extensive background and experience under the commercial umbrella.
Areas such as land development, multifamily projects, and commercially zoned properties (retail, office, mixed-use, warehouse, etc.) are where we’re able to really showcase our expertise. We’re proud to be the go-to brokerage for our developer clients.
Private financing, also known as equity financing is for the most part based on the equity in the property. Other factors such as credit, income, and the exit strategy are also important. It’s usually the last case scenario, sometimes used for emergencies. However, it’s perfect for some clients (builders/developers), who need funds for projects where they will still earn a healthy profit on their investments. It can also be used when credit is poor and usually can be done within a few days (subject to some conditions) to accommodate quick closes. Despite a few benefits, it’s really important to understand the terms of the agreement as it comes with higher rates and fees.
Secure Lines of Credit
There are many benefits of having a secured line of credit, especially if you’ve dipped into your savings, or worse, don’t have any. Whether you decide to renovate, purchase a vehicle, invest, or need in case of an emergency, you’ll have access to funds. It can also help when cash flow is tight as you can make interest only payments if needed. We don’t recommend making interest only payments as you won’t pay down the loan amount. Rates are usually slightly higher than mortgage rates and fluctuate with the banks prime rate. Feel free to ask us if it’s a good fit for you.