Frequently Asked Mortgage Questions

Q: Do I have to pay an application fee?
A: No, we never charge an application fee.

Q: How do I know which bills to consolidate to save the most money?
A: A qualified Loan Officer will look at your individual situation and guide you through the process. He or she will help you determine the best plan for you and your family.

Q: If I have had credit problems, can you still help me?
A: Yes, we specialize in helping consumers with less than perfect credit. We have a variety of loan programs available so that we can make a loan in almost any situation.

Q: How long does the process take?
A: We can pre-approve you within 24 hours, and often close as fast as one week.

Q: Will you pay my creditors directly?
A: We will send payment to your current mortgage company and any other lienholders. However, we will give you the checks for your other creditors to send in with your statements.

Q: Can we borrow funds to make home improvements?
A: Yes, you can use the equity in your home to make improvements.

Q: I recently filed bankruptcy. Can I qualify for a loan?
A: Absolutely, we have a variety of programs that can help those who have filed bankruptcy.

Q: I just bought my home 2 years ago. Can I refinance?
A: Yes, we can help you refinance in almost any situation.