Expert Financing & Investments

Purchase

There’s great personal satisfaction in owning your own home to pass on to future generations. Here at Expert, we are committed to helping you enjoy every benefit of home ownership by providing home financing solutions that fit your individual needs.

We offer an array of mortgage loan products with competitive interest rates and flexible features such as low down payments, non-traditional credit, the use of monetary gifts from family as an acceptable form of down payment, low closing costs, discount points, and other pre-paid expenses to make affordable home financing available to first-time home buyers like you.

Transitioning from a Renter to a Homeowner is easier than you imagined!

• Tax Advantages – The interest paid is typically tax deductible.
• Security – Unlike rent, a homeowner’s fixed-rate principal and interest payments cannot increase.
• Long term Investment – Homeowners can make renovations that reflect their personal styles

Refinance

Whether you need to refinance because you have an adjustable-rate mortgage (ARM), you are looking to get a lower rate, or you would like to cash out in order to consolidate debt; we can help!

We will review your current mortgage program and help you accomplish one or more of the following:

• Lower your monthly mortgage payments and/or eliminate costly mortgage insurance.
• Switch from an ARM to a predictable fixed-rate loan.
• Access cash to renovate your home, pay off high-interest debt, or make major purchases.
• Get a shorter loan term to help you pay off your mortgage faster.

We Will also be glad to help you:

• Review your existing loan terms and interest rate.
• Determine if your monthly payments are about to increase.
• Explore more available options.
• Decide if the time is right to refinance.

Government Loans

Could owning a home be within your reach? Our flexible lending guidelines can help make affordable
home ownership possible. We could help you overcome obstacles to home ownership through our
affordable financing solutions for qualified borrowers with low-to-moderate
income who want to purchase or refinance a home.

With our affordable housing programs, borrowers may qualify with flexible credit history allowances and monetary gifts from family members to apply toward a down payment.

Reverse Mortgages

Why not relax and let your home work for you! Do you need to pay off debt, cover medical expenses, or help out the kids? If you’re at least 62 years old, a Reverse Mortgage Loan may make your life more enjoyable. From being able to pay off credit cards and other bills, to travel or finish home repairs, or to simply increase your cash flow; you’ll enjoy a new independence with a loan that is safe and secure.

With access to extra income, you can pay off a current mortgage or fund many of the following:

• Health care and Prescription Drug Costs
• Home Remodeling or Repair
• Supplemental Income for Everyday Living Expenses
• Assistance Providing Grandchildren with Educational Expenses
• Estate and Financial Planning
• Long-Term Care Insurance
• Funds to Buy a New Car or Take a Vacation

What are some of the benefits of a reverse mortgage?

• All cash benefits are tax free.
• There are no income qualifying guidelines.
• Payment disbursement options are available.
• You’ll have peace of mind.

Jumbo Loans