About Us
Giselle Marlo
"Providing outstanding mortgage solutions for more than 30 years. Services available in both English and Spanish."
Products and Services...
Home Purchases, Refinances, Cash Out Equity
Home Purchases, Refinances, Cash Out Equity
Home Purchases, Refinances, Cash Out Equity
- Residential, investment, and commercial real estate
- Individual counseling and guidance throughout the new home purchase transaction from home search to post closing.
- Loan Pre-Approvals and AUS, DU, and LP Pre-Approvals
- Assistance with the real estate buying and selling process
- Agent portal access 24 hours with real time status
- Confidential Au
- Residential, investment, and commercial real estate
- Individual counseling and guidance throughout the new home purchase transaction from home search to post closing.
- Loan Pre-Approvals and AUS, DU, and LP Pre-Approvals
- Assistance with the real estate buying and selling process
- Agent portal access 24 hours with real time status
- Confidential Automated Processing and Underwriting
- No appraisal required in most transactions
- 10-15 days closings!
Loan Products & Programs
Home Purchases, Refinances, Cash Out Equity
Home Purchases, Refinances, Cash Out Equity
- Fixed & ARMs
- Home Equity Line of Credit Loans
- FHA Loans
- VA Loans
- First Time Home Buyers Programs
- Foreign National Loans
Specialty Mortgages
Home Purchases, Refinances, Cash Out Equity
Specialty Mortgages
- Jumbo Loan with a 5% down payment and no mortgage insurance
- Flexible requirements for previous financial hardships
- Reduced income documentation for self-employed
- Low credit scores for government loans
- Expansive investment opportunities
- Fixed-rate second mortgages
- No income, no taxes – Use assets to qualify
- Advance Approval® – Compete with all-cash offers.
Mortgage rates are falling
As of 2024 so far, the average interest rate for a 30-year fixed-rate mortgage was 6.40% - the lowest it's been since May 2023. It does appear that rates are heading in the right direction. And with the prospect of Fed rate cuts to come later in 2024 which may further this trend. Our 15-year product is now in the 5's % again. Great time to refinance.
What's on Trend....
Cash-Out Home Equity Loans
Whether your need a bridge loan, or updating your home, or simply paying off high-interest credit cards, we can help you use your home equity to accomplish these exciting goals. Check with your financial advisor about tax deductibility.
Construction Loans
Our construction loans are a one-stop loan process for your new home construction build. Traditionally construction loans require a two-step process and multiple lenders which can be overwhelming and expensive. We have this simplified for you.
Reverse Mortgage Loans
Reverse Mortgages are increasingly popular because they enable you to withdraw a portion of your home's equity to use for home maintenance, repairs, or general living expenses and defer the repayment. Restrictions apply. We can discuss and help you if this is the right solution for you.