Services

Nobody does it better

Let us help

here to help.

It is my pleasure to serve my clients and community. My goal is to help assist clients in making informed lending decisions and be a valuable resources when you are considering your lending options. 

Andy Treno

KNOWLEDGE IS THE KEY.

Whether you’re buying your first home or your fourth, the mortgage process can be complicated and overwhelming to navigate. Questions about credit history, pre-approval, and interest rates are common concerns, and the decisions you make today will impact your finances well into the future. Thankfully, you don’t have to go it alone!  

RESULTS & EXCELLENCE

We strive to create a relationship that exceeds our client’s expectations. It is our goal to make every real estate transaction as seamless as possible. We are results-oriented and customer driven; focused only on delivering the best experience. 

Contact Us

Time to take your shot!

We’ll help explain the differences between our loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor. We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way.

30 year fixed rate

30 Year fixed rate

The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change.
Click Here

15 year fixed rate

15 year fixed rate

Offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast.
Click Here

Adjustable rate mortgage

adjustable rate mortgage

Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically.
Click Here

FHA Loan

FHA Loan

An FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit.
Click Here

VA Loans

VA loan

The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses.
Click Here

jumbo loans

jumbo loan

Many benefits, including but not limited to: financing available up to $2.5 million and competitive pricing.
Click Here

203K Loan

203k loan

FHA 203K loan is a loan backed by the federal government and given to buyers who want to buy a damaged or older home and do repairs on it.
Click Here

USDA Loan

USDA loan

The United States Department of Agriculture (USDA) gives out a variety of loans to help low- or moderate-income people buy, repair or renovate a home in a rural area.
Click Here

F.A.Q.

Financing your purchase doesn't have to be confusing. Let us help walk you through the process and answer any questions you may have.

With a fixed-rate loan, the interest rate is set for the life of the loan. Variable rate mortgages, also known as adjustable rate mortgages or ARMs have periodic interest-rate adjustments. It is our job to work hand-in-hand with our clients in choosing the best loan for their family and lifestyle.
Private Mortgage Insurance (PMI) a service provided by a private company to protect the mortgage lender against losses that might be incurred if a loan defaults. PMI allows lenders to offer loans with low down payments.
The term “points” refers to fees/costs that are representative of a certain percentage of the overall loan amount. For example, one point equals 1%. Origination points are fees paid that are related to the processing of a loan, while discount points are paid in order to reduce the interest rate on a loan.
A pre-qualification shows you what you can afford and a pre-approval is confirming with bank statements, pay stubs and credit reports what you have provided verbally for the sake of achieving a full loan approval.
It means that a commitment has been made between my company and the investor on your behalf regarding the interest rate in your mortgage loan. Your loan officer watches the market on a daily basis to make sure that when we lock your interest rate, it is in the best interest for you and your loan.