Our Services

Home Purchase

STEP 1: Find out how much you can borrow:

The first step in obtaining a loan is to determine how much money you can borrow.  In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.

STEP 2: Select the right loan program:

Home loans come in many shapes and sizes. Deciding which loan makes the most sense for your financial situation and goals means understanding the benefits of each.  Whether you are buying a home or refinancing, there are 2 basic types of home loans. Each has different reasons you’d choose them.

1) Fixed Rate Mortgage

Fixed rate mortgages usually have terms lasting 15 or 30 years. Throughout those years, the interest rate and monthly payments remain the same. 

2) Adjustable Rate Mortgage

Adjustable Rate Mortgages (often called ARMs) typically last for 15 or 30 years, just like fixed rate mortgages. But during those years, the interest rate on the loan may go up or down. Monthly payments increase or decrease.  By carefully considering the above factors and seeking our professional advice, you should be able to select the one loan that matches your present condition as well as your future financial goals.

Home Refinance

It’s generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you’re saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. We can help you calculate your options.

Commercial Lending

The two universal elements all businesses need: cash and capital. Simply put, businesses require cash to fund everything from their day-to-day operations to their long-term financial goals. And while many businesses earn enough cash to cover their daily expenses and invest in the capital that keeps their organizations going and growing, there are also many organizations that rely on commercial loans and lines of credit to fund business expenses.

We offer a wide range of commercial loan products designed to meet the individual needs of businesses across the country. Our team is committed to building relationships and providing a complete offering of financial services to meet the present and future needs of our customers.

A commercial loan can allow businesses to grow more quickly and to spread out an expense over several years. In many cases, businesses can use the funds acquired through a commercial loan to meet a variety of needs, depending on the type of loan involved. Common types of commercial loans include:  

Business Term Loan– a great loan product to use for expansion, capital improvements, equipment financing, and other major business needs.

Credit lines – the perfect loan product to provide working capital, supplement cash flow, finance receivables, or purchase inventory.

SBA Government Guaranteed Loans– an attractive option to fund business startup, acquisition, expansion, capital improvements, equipment financing, and other major business needs with loans that are guaranteed by United States government agencies.

Real estate attorneys specialize in matters related to property, from transactions to handling disputes between parties. Real estate law encompasses the purchase and sale of real estate meaning land and any structures on it. It also covers legal issues related to anything attached to the property or structures, such as appliances and fixtures.

You want a real estate attorney to be there for you. A real estate attorney will represent your interests at closing. We will review all paperwork in advance and advise on any problems or omissions with the documentation.

• Our attorney will prepare or review all of the documents that are signed at the closing of a real estate purchase.

• Our attorney is then present at the closing to represent the buyer's (or the seller's) interests.

• Our attorney will ensure that proper procedures are followed during the acquisition or sale of property, including how a property is zoned for usage.

• Our legal services include: deeds, property taxes, estate planning, zoning, and titles.

Commercial Lending Consultants serve as professional advisors to help companies achieve their goals or streamline operations.

The first step for any consultant is the discovery phase, where the goal is to learn the client's business. A good business consultant takes the time to learn as much as possible about the business from the owner and employees.

Once our consultant has developed an in-depth understanding of the company, they enter the evaluation phase, where the goal is to identify where change is needed. This phase includes identifying the company's strengths and weaknesses, as well as current and foreseeable problems. Our consultant will also identify opportunities to grow the business, increase profits and boost efficiency.

In addition to identifying these problems and opportunities, our consultant will develop solutions to problems and plans for capitalizing on opportunities.