YES, IF:

• I have good credit
• My income is adequate to support the mortgage MORE
  
• I owe (or want to borrow) at least $200,000
• My home value can support the mortgage MORE
• Your program is available for my home MORE

You will be asked to submit an application fee after your loan request is pre-qualified. This fee will be fully refunded to you at closing, however, the fee will not be refunded if you fail to close on the mortgage.

We will pay all closing costs associated with your mortgage including appraisal fee, credit report, bank fees, title charges, recording fees and attorney fees.

You may have to bring funds to closing should you not borrow enough to fund all the required expenditures. This includes balances on all your current mortgages, interest due on your current mortgages, fees owed your current lender, prepayment penalties for your current mortgages, outstanding real estate taxes, and any outstanding income taxes, judgments and liens. The lender could require you to pay any open collection accounts as well as recent charge-offs that appears on your credit report.

You must prepay the first month's interest on your new mortgage and fund the escrow account for your taxes and insurance.

Finally, in the event that the appraisal on your home does not substantiate the required value, the final amount of the loan could differ from that on the initial pre-approval.

We will be happy to assist you in projecting your funding requirements.

Rates for the Zero Cost program average .25% to .375% higher than rates offered if you pay all closing costs.

You can begin by filling out our simple form and we will contact you to review your options.