Expert Financing offers a variety of loan programs including:

  • FHA
  • Fannie Mae
  • Freddie Mac
  • Condominium Loans
  • Portfolio Loans for both Domestic and Foreign National Borrowers
  • Home Path Loans
  • FHA 203K Improvement Programs
  • VA Loans and Reverse Mortgages

Purchases

There are several loan programs available to help you buy your dream home or even make an investment on an income producing property.
These programs offer options with very low down payment and no reserves needed for primary residence and great fixed interest rates.
The process is easy and attainable, Expert Financing will help you!

Moving From Renter To Owner Is Easier Than You Imagined

  • Tax Advantages – The interest paid is typically tax deductible.
  • Security – Unlike rent, a homeowner’s fixed-rate principal and interest payments cannot increase.
  • Investment – Homeowners can make renovations that reflect their personal styles.

Refinance

Whether you need to refinance because you have an adjustable-rate mortgage (ARM), you are looking to get a lower rate, you are looking to cash out to consolidate debt, or for whatever reason, Expert Financing can help you.

We will review your current mortgage program and help you accomplish one or more of the following:

  • Lower your monthly mortgage payments and/or eliminate costly mortgage insurance.
  • Switch from an ARM to a predictable fixed-rate loan.
  • Access cash to renovate your home, pay off high-interest debt, or make major purchases.
  • Get a shorter loan term to help you pay off your mortgage faster.

We Will be glad to help you:

  • Review your existing loan terms and interest rate.
  • Determine if your monthly payments are about to increase.
  • Explore more available options.
  • Decide if the time is right to refinance.

Government Loans

Could owning a home be within your reach? Our flexible lending guidelines can help make affordable home ownership possible. Affordable financing solutions are available for qualified borrowers with low-to-moderate income who want to purchase or refinance a home. With our affordable housing programs, borrowers may qualify with flexible credit history allowances and monetary gifts from family members to apply toward a down payment.

Reverse Mortgages

Relax. Let Your Home Work for You. Do you need to pay off debt, cover medical expenses, or help out the kids?
If you’re at least 62 years old a Reverse Mortgage Loan may make your life more enjoyable. From paying off credit cards and other bills, having a little extra for travel and home repairs, or simply increasing your cash flow, you’ll enjoy a new independence with a loan that is safe and secure.

Access to Extra Income – You can pay off a current mortgage or fund many of the following:

  • Healthcare and prescription drug costs.
  • Home remodeling or repair.
  • Supplemental income for everyday living expenses.
  • Assisting grandchildren with education expenses.
  • Estate and financial planning.
  • Long-term care insurance.
  • Buying a new car or taking a vacation.
  • Anything else you decide you want to use it for!

All the cash benefits are tax free and there are no income qualifying guidelines. We also have several different payment disbursement options, all of which can further give you peace of mind.

Jumbo Loans

In the United States, a jumbo mortgage is a mortgage loan in an amount above conventional conforming loan limits. This standard is set by the two government-sponsored enterprises Fannie Mae and Freddie Mac, and sets the limit on the maximum value of any individual mortgage they will purchase from a lender. Fannie Mae (FNMA) and Freddie Mac (FHLMC) are large agencies that purchase the bulk of U.S. residential mortgages from banks and other lenders, allowing them to free up liquidity to lend more mortgages. When FNMA and FHLMC limits don’t cover the full loan amount, the loan is referred to as a “jumbo mortgage”. At Expert Financing we will help you find the jumbo loan lender with the lowest down payment possible and great interest rates.

Commercial Loans

At Expert Financing we offer commercial real estate loans to a broad range of properties, including Apartments/Multifamily, Hotels & Motels, Warehouses, Light Industrial Buildings, Mixed Use Properties, Office/Retail, Health Care and Day Cares among others. We offer low down payment and great interest rates as well as long re-payment plans.

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