REHAB LOANS: FHA has the best rehab program in the mortgage business called the 203k... basically, it allows you to purchase the home "as is" from the seller, and then ADD all the costs of fixing it up into your mortgage so you don't have to pay cash for the repairs! This way you can get all the "extras" built into the mortgage and have one low payment instead of a high interest rate second mortgage. Our staff are the most experienced in the business on these loans.

Home owners who already have a FHA loan may take advantage of Streamlined Refinancing, which means you can apply for an interest rate reduction without requalifying or having the home appraised. This is especially helpful in lowering payments regardless of your employment or income status.

You can refinance your home at the same "rules" and limits as if you were purchasing it. Basically, a refinance means you are selling your home to YOURSELF, and in some instances you can take cash-out of the house and use it for whatever you want. These type of refinances are limited to owner occupants.