We are here to Provide the best Home Loans is a full-service lender focused on providing innovative mortgage loan products to our borrowers. Our lending practice was founded upon core principles of providing our clients with a variety of traditional and non-traditional (non-QM) mortgage products that are tailored to meet their individual home financing needs. Our mortgage team understands our client’s unique mortgage scenario and helps guide them through the loan process.

Our mortgage lending approach is comprised of two platforms: retail and consumer direct. Our retail lending model allows our licensed mortgage advisors to focus on purchases and refinances in local communities. The consumer direct model services customers through leads generated online from our digital lending system which integrates consumers directly with our loan products. Both models follow an operational workflow designed with high customer service standards for a quick closing. mortgage insurance (PMI) is a type of insurance that a borrower might be required to buy as a condition of a conventional mortgage loan. Most lenders require PMI when a homebuyer makes a down payment of less than 20% of the home’s purchase price. When a borrower makes a down payment of less than 20% of the property’s value, the mortgage’s loan-to-value (LTV) ratio is over 80% (the higher the LTV ratio, the higher the risk profile of the mortgage for the lender).
Unlike most types of insurance, the policy protects the lender’s investment in the home, not the individual purchasing the insurance (the borrower). However, PMI makes it possible for some people to become homeowners sooner. For individuals who elect to put down between 5% to 19.99% of the residence’s cost, PMI allows them the possibility of obtaining financing.
backed by private capital that enables access to housing finance for borrowers while protecting taxpayers. Mortgage insurance (MI) offers an effective way to make mortgage credit available to more people.