d on the money you’ve already invested in your home. Since your home acts as collateral for your line of credit, it will usually be priced at a lower interest rate. It’s an easy, cost-effective way to finance home improvement projects or other major purchases, or pay for college tuition. Other advantages incluAre you dreaming of a home of your own … but wondering how you’ll ever qualify for a loan? Stop dreaming and give me a call! I’m helping more and more people just like you buy homes of their own. My Community home loan products have flexible requirements that make it easier to qualify for a home loan. These programs allow for a minimum borrower contribution of $500. Here are some of the other ways a My Community mortgage may help you qualify to buy a home:

• Up to 100% financing is available

• Your home’s seller may be allowed to pay up to 3% of your closing costs

• Free homebuyer education gives you confidence before you buy

• Gift funds from family members are often allowed

Instead of a conventional mortgage, I can provide you with home financing that’s split into a first and second mortgage. It’s often called combination or piggyback financing, and here’s how it works:

• 80% of your loan will be covered by a 30-year first mortgage.

• 15% of your loan will be covered by a 15-year second mortgage.

• 5% of your financing will be covered by your down payment.

As a mortgage broker, I can also help you apply for a home equity line of credit*, or HELOC, which is based on the money you’ve already invested in your home. Since your home acts as collateral for your line of credit, it will usually be priced at a lower interest rate. It’s an easy, cost-effective way to finance home improvement projects or other major purchases, or pay for college tuition. Other advantages includ

se programs allow for a minimum borrower contribution of $500. Here are some of the other ways a My Community mortgage may help you qualify to buy a home:

• Up to 100% financing is available

• Your home’s seller may be allowed to pay up to 3% of your closing costs

• Free homebuyer education gives you confidence before you buy

• Gift funds from family members are often allowed

Instead of a conventional mortgage, I can provide you with home financing that’s split into a first and second mortgage. It’s often called combination or piggyback financing, and here’s how it works:

• 80% of your loan will be covered by a 30-year first mortgage.

• 15% of your loan will be covered by a 15-year second mortgage.

• 5% of your financing will be covered by your down payment.

As a mortgage broker, I can also help you apply for a home equity line of credit*, or HELOC, which is based on the money you’ve already invested in your home. Since your home acts as collateral for your line of credit, it will usually be priced at a lower interest rate. It’s an easy, cost-effective way to finance home improvement projects or other major purchases, or pay for college tuition. Other advantages inclu

n gives you confidence before you buy

• Gift funds from family members are often allowed

Instead of a conventional mortgage, I can provide you with home financing that’s split into a first and second mortgage. It’s often called combination or piggyback financing, and here’s how it works:

• 80% of your loan will be covered by a 30-year first mortgage.

• 15% of your loan will be covered by a 15-year second mortgage.

• 5% of your financing will be covered by your down payment.

As a mortgage broker, I can also help you apply for a home equity line of credit*, or HELOC, which is based on the money you’ve already invested in your home. Since your home acts as collateral for your line of credit, it will usually be priced at a lower interest rate. It’s an easy, cost-effective way to finance home improvement projects or other major purchases, or pay for college tuition. Other advantages inclu

80% of your loan will be covered by a 30-year first mortgage.

• 15% of your loan will be covered by a 15-year second mortgage.

• 5% of your financing will be covered by your down payment.

As a mortgage broker, I can also help you apply for a home equity line of credit*, or HELOC, which is based on the money you’ve already invested in your home. Since your home acts as collateral for your line of credit, it will usually be priced at a lower interest rate. It’s an easy, cost-effective way to finance home improvement projects or other major purchases, or pay for college tuition. Other advantages inclu

d on the money you’ve already invested in your home. Since your home acts as collateral for your line of credit, it will usually be priced at a lower interest rate. It’s an easy, cost-effective way to finance home improvement projects or other major purchases, or pay for college tuition. Other advantages include:

• Higher spending limits and lower interest rates

• Debt consolidation–pay off high interest than most credit cards cards and save!

• Lower costs–interest is paid only on the actual

• Potential tax savings–the interest you

amount you borrow, not the entire amount available be tax-deductible**

We pride ourselves in giving you the mortgage information, loan options and convenient assistance you're looking for. With a variety of loan programs and an established network of lenders behind us, we will find the loan that best suits your needs, at a very competitive rate. We offer conforming, non-conforming and government loan programs.

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