Tailored Mortgage Solutions for Your Needs

Our mortgage services are designed to provide you with comprehensive solutions for purchasing or refinancing your home. Mortgages and Refinance offers a variety of mortgage options, including fixed-rate and adjustable-rate mortgages, to meet your individual needs and financial goals. Our team will work closely with you to determine the best mortgage plan and ensure a smooth approval process.

Reach Out for Expert Guidance

We understand that securing the right mortgage can be a daunting task, which is why we focus on providing clear and straightforward guidance. We are dedicated to helping you understand all aspects of your mortgage, from application to closing, ensuring that you make informed decisions throughout. Trust us to support you every step of the way. Contact us now.

Loan Types

At Mortgages and Refinance, we offer a diverse range of loan types to meet your unique financial needs.
Explore our services below to find the right solution for you.

Bank Statements

Designed for self-employed individuals or those with non-traditional income sources, our bank statement loans allow you to qualify based on bank deposits rather than standard income documentation.

Conventional

Conventional loans are traditional mortgage options that are not insured by the government. These loans typically offer competitive rates and are ideal for borrowers with good credit and a stable income.

Commercial

Our commercial loans cater to businesses seeking financing for commercial properties. Whether you're purchasing, refinancing, or expanding your business, we provide tailored solutions to fit your needs.

DSCR (Debt Service Coverage Ratio)

DSCR loans are designed for real estate investors. This type of financing allows you to qualify based on the cash flow generated by the property rather than personal income, making it easier to invest in income-producing properties.

FHA (Federal Housing Administration)

FHA loans are government-backed mortgages designed for low to moderate-income borrowers. These loans require lower down payments and credit scores, making homeownership more accessible.

Investors

Our investor loans are tailored specifically for real estate investors looking to purchase or refinance investment properties. With flexible terms and competitive rates, we help you achieve your investment goals.

ITIN (Individual Taxpayer Identification Number)

ITIN loans provide opportunities for individuals without a Social Security number to qualify for a mortgage. This option is ideal for foreign nationals or those with non-resident status looking to invest in real estate.

VA (Veterans Affairs)

VA loans are designed for eligible veterans and active-duty service members. These loans offer favorable terms, including no down payment options and competitive interest rates, as a way to honor their service.

Visa

Visa loans cater to non-resident borrowers with a valid visa seeking mortgage options in the U.S. These loans help international buyers achieve their homeownership dreams with flexible qualification criteria.

Strategic Refinancing Options to Improve Finances

Refinancing with Mortgages and Refinance can be a strategic move to improve your financial situation or adjust your mortgage terms. We offer various refinancing options, including cash-out refinances and rate-and-term refinances, tailored to meet your specific needs. Our experts will assess your current mortgage and financial goals to recommend the most beneficial refinancing solution.

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