Welcome! I specialize in helping people, by asking you questions which helps me learn your needs and wants, than I can find the right product for you. First Time Home Buyers need someone who will guide them through the process and get them the right mortgage. Home loans are available from many companies. I feel I offer competitive priced mortgages on the right product for you, FHA or Conventional. With the following types of products:

* Purchase Loans
* Refinance
* Debt Consolidation
* Reverse Mortgages

As a member of the National Association of Mortgage Brokers and Minnesota Mortgage Association I believe in high ethical standards and will work with you to find the the right program.

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Find the Reverse Mortgage Option to fit your needs:

Reverse Mortgages

A reverse mortgage is a home loan that lets homeowners convert a portion of the equity in their home into cash. The equity built up over years of mortgage payments can be paid to you. Unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence.

Am I Eligible?

To be eligible for a HUD reverse mortgage, HUD's Federal Housing Administration (FHA) requires that the borrower is a homeowner, 62 years of age or older; own your home outright, or have a low mortgage balance that can be paid off at the closing with proceeds from the reverse loan; and must live in the home.

How Much Do I Get?

The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home or FHA's mortgage limits for your area, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you can borrow.