In the 60's and 70's, if you wanted to buy a home, you went to the local bank or a Savings & Loan institution. You were generally offered two choices: a 30-year fixed- or a 15-year fixed-rate loan. In the 80's, lenders added the variable-rate loan to their repertoire. The loan officer took your application and sent it to the "Loan Committee," then the committee determined if you could qualify for the loan. A few weeks later, you got your answer -- "YES" or "NO" -- and that was that. There weren't many options.

Well, things have changed! Today there are literally thousands of programs and products, and as many ways to use them. In fact, it's virtually impossible to keep track of how each one of these programs works and to understand all the different types of variables and options.

A trained Mortgage Professional is your best ally against this intimidating wave of programs and options. If you add the refinancing process to the confusion, you really need the help of a "pro" to develop a mortgage-management strategy. A pro has access to a variety of tools and programs, including:

• Buydowns

• Rebates

• Growing Equity Mortgage

• Hybrid ARM programs

• Lines of Credit

• 80/15/5

• Two Step Mortgage

• No Point No Fee loans
  
  These are just a few of the programs we have in our portfolio, ready to help you save money on your mortgage. We use state-of-the-art tools and technology to guide you to the best solutions for your particular situation and needs.