WE NOW OFFER FHA LOANS 
PURCHASE AND RE-FINANCING

Refinancing Soars with Historically Low Rates

With mortgage rates dancing around a 65 year -low of about 4.75 percent, homeowners are checking their credit scores and lenders are deluged with re-financing applications.

But the low rates aren't available to everyone.  You need a good credit rating and a low debt ratio.  These rates are for people with strong credit scores and fully documented income and home equity.  Applicants must have a credit score of 620 or higher and you are likely to get a high interest rate if you score is below 740.

You should consider re-financing if you can lower your interest rate at least one percentage point to make refinancing pay off.  This might be viewed as the most opportune time to refinance a house in our lifetime. 

Who We Are

Credit may be tight, but it is not frozen! Thanks to the government's recent bailout, individuals throughout the nation are still able to find conforming and FHA-insured mortgages. With the United States Department of Housing and Urban Development (HUD) and the government's help, we are able to help families to keep their homes by refinancing their mortgages with HUD's affordable mortgage insurance program.

First Time Homebuyers or Re-Financing

Getting your first home or refinancing is easy.

Call Jim Davis today at (919) 345-5232 about:

   *   Easy Financing
   *   Low Down Payment Loans
   *   Low Closing costs
   *   and other Flexible programs

Our Business

Call Jim Davis now at (919) 345-5232 or

CLICK HERE TO E-MAIL ME 

and I will pull your credit for free to see if your credit scores qualify you for a lower interest rate.