24725 W. 12 mile rd. Suite 340 Southfield MI 48034

Simplifying
your path to
home financing

Bringing you expert insights, customized mortgage options and a commitment to making your home financing experience simple and exceptional.

Purchasing
refinancing

Our Promise

Dedicated to your financial success

We promise to deliver competitive rates and flexible options, ensuring you receive the best value for your mortgage investment. Get to know the team that is driven to deliver personalized support and taylored solutions for your home financing needs.   

Meet the team

Why US?

Purchase Loans

Loans Products:

These are traditional mortgage loans not insured or guaranteed by a government agency. They typically require a higher credit score and a larger down payment compared to government-backed loans.

These are loans that exceed the conforming loan limits set by Fannie Mae and Freddie Mac, the two government-sponsored enterprises that guarantee most U.S. mortgages. Jumbo loans are typically used for high-value properties.
 
These loans have a fixed interest rate throughout the loan term, which is typically 15 or 30 years. This means that the monthly mortgage payment remains the same over the life of the loan, providing stability and predictability.
With an ARM, the interest rate is initially fixed for a specific period, typically 5, 7, or 10 years, and then adjusts annually based on market conditions. ARMs generally offer a lower initial interest rate but can increase over time.
These loans allow borrowers to pay only the interest portion of the loan for a specified period, typically 5 to 10 years. After the interest-only period, the loan converts to a traditional principal-and-interest payment structure.
Purchasing Loans

Refinancing Loans

Loans Products:

 This type of refinance loan allows you to change the interest rate or term of your mortgage. It is typically done to secure a lower interest rate, reduce monthly payments, or adjust the loan term.

With a cash-out refinance, you borrow more than your current mortgage balance and receive the difference in cash. This can be used for various purposes such as home improvements, debt consolidation, or other financial needs.
 
This type of refinance loan is available to homeowners with an existing FHA loan. It simplifies the refinancing process by reducing documentation requirements and may not require an appraisal.
Exclusive to eligible veterans, the VA IRRRL allows you to refinance an existing VA loan to obtain a lower interest rate. Similar to the FHA Streamline, it offers a simplified process with reduced documentation.
If you have a high-value home that exceeds the conforming loan limits, a jumbo refinance loan allows you to refinance your mortgage while maintaining a loan amount above those limits.
Refinancing Loans