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Conforming Loans   The homeowners wanting to refinance the balance of the mortgage can borrow up to 95% of the homes appraised value. Individuals wanting to convert equity in their home for the goal of cash out or debt consolidation, up to 90% of the home’s value can be realized.  
FHA Loans The Federal Housing Administration (FHA), which is part of the Department of Housing and Urban Development (HUD), administers various insurance programs. These programs operate through  approved lending institutions which submit applications to have the property appraised and have the buyer's credit approved. These lenders fund the mortgage loans which the Department insures. HUD does not make direct loans to help people buy homes.
VA Loans The Dept. of Veterans Affairs will issue a V.A. Certificate of Eligibility that must be presented to the lender when the loan is submitted for approval. To get a printed version of your certificate, please visit the U. S. Department of Veterans Affairs at https://vip.vba.va.gov/portal/VBAH/Home Veterans can purchase a new or existing residence; refinance the balance of an existing mortgage, or do a debt consolidation loan if the equity position in the current home allows for it.
Friday, September 03, 2010
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Ken Bearce

Borrowers who are happy with the mortgage loan we helped them get are more important to us than anything else. Our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate and get extra cash or purchase a new home or investment property, our purpose is to build a strong personal relationship and satisfy your needs. By putting you first, we assure you a pleasurable transaction.

At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.

Today's technology is providing a more productive environment to work in. For example, through this Web Site you can submit a complete online secure loan application, pre-qualify for a home loan or you can request an update on your loan in process and much more! These tools have allowed us to provide a higher level of service to my clients who utilize the Internet in their daily lives. By applying online, your application is received immediately! I will be notified by email and be prompted to return to our secure server to retrieve your application. This will enable me to start processing your loan today!

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