Our services.
Purchase.
Our track record for on-time, low stress closings under tight deadlines has earned us a rock-solid reputation in the local real estate industry. A pre-approval letter from UIMC has helped many of our buyers and their agents win bidding wars for the best houses on the market. We also guarantee your earnest money up to $5,000 when you rely on a pre-approval letter from us. This is unheard-of in our industry. We can also help you decide which loan program is best for you (Conventional, FHA, VA, USDA, etc.) and we have access to grant funds and $0 down programs for first-time buyers who qualify. Schedule a free consultation today to start your journey!
Refinance.
Our first question in refinance conversations will always be: “What’s your goal?” Some of our clients want to reduce their monthly payment, others want to pay their mortgage off faster. Others want to consolidate debt or update their home. We can help you analyze your options, and even tell you about options you may not be aware of. We will also help you decide if the benefits of your refinance are worth the costs, and we’ll be the first ones to tell you if a refinance just doesn’t make sense for you. Book a consultation today with Nelson to understand the pros and cons of all your options.
Reverse.
Many of our clients over age 62 have found a reverse mortgage to be the key to retiring. New regulations and government insurance programs have been put in place to protect borrowers who would like to make use of their home’s equity to stay and enjoy their home as they age. We have access to many reverse mortgage lenders and products, and we are patient teachers, not pushy salesmen. We can help you and your family understand if this product is truly your best option. Schedule a consultation with Nelson to have all your questions answered and to see if you are eligible for this life changing loan program.
Construction.
We are big fans of One-Time-Close (OTC) construction loans because of the lower risk and closing costs to borrowers. Many consumers who chose a traditional two-close construction process have seen interest rates rise dramatically during their 9-12 month build. With OTC, your rate will be locked from day one, removing a great deal of stress from an already overwhelming time. You will also only pay closing costs once with OTC because you won’t need to refinance when the project is finished. We have many lenders to choose from for this product, and we find that rates and fees vary widely across the industry. Schedule a free meeting today to begin this exciting journey together!
Renovation.
Have you ever wondered where they get all the money for their MEGA remodel budgets on the TV shows? Many of them use a special mortgage designed specifically for remodel projects. These are standard conventional or FHA loans with one twist: the appraisal is based on the end result of your remodel plans, not the current home. With a renovation loan, we are able to finance up to 97% of that higher appraised value, which will often cover the full cost of your remodel. This program is available for refinances or for purchases – so dream big! Additions, detached garages and whole-home make-overs are no problem ; we can finance those dreams! To get your dream remodel started, schedule a free consultation today!.
HELOC.
Do you love your current mortgage rate, but still want to tap into your home’s equity? Then a 2nd mortgage or Home Equity Line of Credit (HELOC) may be the right solution for you. You can use 2nd mortgage funds to consolidate debt, update your home, or do whatever you want with the money. We also have access to a rare option in today’s market: a 30 yr. fixed 2nd mortgage, which eliminates the risk of the variable rate on a traditional HELOC. We can help you analyze all of your options for accessing your equity. Schedule a call today to find out the smartest way to access your home’s equity.
Non-Traditional.
We have access to many non-traditional lenders who offer things that the conventional lenders don’t. Are you self-employed and your tax returns won’t work for traditional lending? We have lenders who will analyze your bank statements or financial statements instead of tax returns. Are trying to build a rental property portfolio? We have Debt Service Coverage Ratio (DSCR lenders) who will finance a property by only looking at the cash-flow from rents. Is there something on your credit that the conventional lenders can’t see past? We have lenders with more flexible options for those who have bankruptcies, foreclosures, and other credit challenges. Book a consultation with Nelson today to get a broader view of the mortgage market and learn about options the banks and credit unions have never heard of.
