Ideal for first-time buyers, these no down payment mortgages can help reduce or eliminate nearly every cost associated with obtaining a home loan.  This type of financing can be done totally as one loan or is often broken into two mortgages to avoid mortgage insurance and is available for primary residences.  

This loan feature is fantastic for a student preparing to graduate from college in a couple years or a borrower expecting large promotions in the next two years.  This feature works by setting a long term interest rate for example at 6%.  However in year one the interest rate starts out 2% lower at 4%, the following year moves a 1% higher to 5%, and then at the end of year two the rate caps out for the remaining 28 years at the guaranteed 6% rate.  What does this mean for you the buyer, more buying power now and the ability to grow into a larger payment as your income increases.

Great for accessing equity in your home and not affecting a low first mortgage rate.  2nd mortgages can be fixed in at a set amount for the life of the loan or can be set up on a line of credit basis to be paid down and borrowed against when you desire.  Call for your options.

Loans for business owners looking to acquire real estate, finance inventory, meet payroll needs, or acquire other businesses.  This financing is provided through Elite Real Estate Services, LLC.

This loan is for borrowers putting at least 5% down and can have a fixed rate period ranging from one month to ten years.  An Adjustable Rate Mortgage generally has a much lower interest rate than a long-term fixed rate product.  Once the rate starts adjusting, the adjustment amounts do vary by product so please call to go over the pro's and con's of each Adjustable Rate Mortgage.  This loan works well for borrowers in the following scenarios:

•  Planning on staying in the home for less than three to five years.  You can save a lot of cash flow monthly due to the lower interest rate. 
• If you are expecting a significant change in income in the next five years.
• If you are planning on paying off your mortgage on an accelerated basis then take the lower interest rate to help you achieve the goal faster.
• This product can be used for several scenarios, call to discuss your specific scenario. 

This product is for borrowers generally putting at least 5% down payment and offer lower interest rates with the comfort of a long term fixed rate.  Current conforming loan amount limits are set at $417,000.

Great for building your dream home!  No payments are required during the construction process.  One time close options are available as well as traditional two time closes.  Construction loans can also be done on existing properties needing home improvement.

A government insured/guaranteed loan that works with borrowers with blemished credit.  This loan requires the borrower to put 3.5% down, but this can from their own personal funds, gift from a blood relation, or from a not-for-profit organization.  I can assist you in identifying all possible grants to assist with the down payment. 

This loan allows you to do needed and cosmetic repairs to a property by accessing equity in a property based upon values after the repairs are done.  This can be used to finish a basement as well.  The property must have had a certificate of occupancy issued by the local housing authority for at least one year to be eligible. 

These loans are generally state specific such as Utah Housing and Idaho Housing which we offer and have lower than market interest rates and can be done with no money out of pocket.  Call for specific details.

Hard money loans are avaible mainly for short term financing transactions when money is needed fast and traditional lending guidelines may not be able to approve your financing request.  This financing is provided by Elite Real Estate Services, LLC and can be used for endless reasons such as unsecured money, real estate acquisitions, car financing, commercial lending, etc... . 

Jumbo loans are any loans over $417,000.  There are several options availble for terms including fixed rate and adjustable rate options.

The perfect loan to acquire your dream property in preparation for building a future home.  Terms up to 20 years with a fixed rate option and as little as 10% down. 

Loans are available on double and triple wide manufactured homes on a foundation with real property and that are newer than July 1976. 

Allows borrowers to retain ownership of their property and receive a monthly check representing a portion of the equity in the home.  No money is due until the property is sold, the last owner permanently leaves the property for a period of more than twelve months.   

This loan is geared to residents in rural areas.  This loan does not have mortgage insurance and allows for 100% financing.  There are household income limitations so please call or apply online and we can review your specific options.  

Mortgage Insurance is a major cost for borrowers not planning on putting 20% down when buying a home.  The cost varies widely by product and should be evaluated as closely as an interest rate.  Please call for a free no cost consultation on your options. 

This provides members of the military with 100% financing with no mortgage insurance at very competitive interest rates.  The seller can also pay all of the buyers closing costs and up to 4% of the purchase price towards the borrowers personal debts for consolidation. A person with VA benefits can have more than one outstanding VA loan at a time, call to find out how.