As a smaller independent wholesale mortgage company, we have built our business through one-on-one relationships, referrals and excellent customer service. Since our company was founded in January 2008, we have maintained an excellent rating with the Better Business Bureau, and have helped thousands of home-buyers and home-owners. Being both a broker and direct mortgage lender, we match our clients with the mortgage that best suits their situation and maximize their cash flow; all while offering low wholesale rates. Whether it's a purchase or refinance, good or bad credit, we have a mortgage solution. In addition to the typical mortgage products like FHA, conventional, and $0 products for VA and USDA, we have several unique programs as well. Some of our unique programs are for first time home-buyers, veterans, 2% down payment forgivable grant, down payment assistance, 203k home improvement which allows costs to be wrapped into one mortgage for either a purchase or refinance, $100 down payment FHA HUD program, manufactured homes, reverse mortgage (HECM), For Sale By Owner property marketing services, and a variety of 100% cash out refinance products. Lender NMLS # 71983. Verify license status of all companies, branches and individuals at http://www.nmlsconsumeraccess.org.