Get started with a no-obligation quote

Our online process makes it a simple and hassle-free way to get a home loan

Get started with a no-obligation quote

Our online process makes it a simple and hassle-free way to get a home loan

Apply Now

Your Trusted

Contact me so I can help you attain your mortgage goals!

Check your options!

This Free Purchase Assistant has been designed to help narrow down options based on your individual needs. It's quick, it's easy, and the more questions you answer - the more accurate your results.

Loan Options

FHA

Minimium 3.5% down payment, great for First Time Home Buyers
Credit scores down to 580.

VA

For veterans and active duty military
0% down payment
No mortgage insurance
No county loan limits as of 2020

USDA

On eligible properties.
0% down payment, offers 100% financing and in some cases it will cover closing costs.

Conventional

3% or more down payment options

203 (k)

FHA loan program, one mortgage for the rehabilitation and repair of the property

Jumbo

Anything above conforming loan limits

Non-QM

For those that don't fit in the traditional lending guidelines and need other options

Down payment assistance programs

CHENOA Fund
State Bond programs
All offer as little as 0% down payment

Contact me so I can help you attain your mortgage goals!

Contact Me

Apply Now

Purchase Assistant

Our Free Purchase Assistant is designed to help narrow down your loan options. It’s quick & easy.

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Type of Home?

Single family

2-4 Units

Manufactured Home

Condo/Townhome

What is the intended use of the property?

Primary Residence

Vacation

Investment

Purchase Price

Down Payment %

Veteran or Active Duty Military?

Is this your 1st home purchase?

Your credit profile?

First Name

Last Name

Phone Number 999-999-9999

Zip Code

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Refinancing

WHY REFINANCE?

You may be able to save money every month *
If you want to make home repairs
If you want to consolidate debt
If you want to pay for college tuition
You may be able to switch from an adjustable rate to fixed rate mortgage, if you qualify
Lock in today’s great historically lower rates

WHAT ARE MY OPTIONS?

There are many loan refinance options available. I will walk you through the process, so you understand your options and choose the best loan for you and your family. Come by my office or give me a call - I'm ready to help!

HOW DO I REFINANCE?

If you’ve never refinanced, I will show you the way. I’ll sit down and explain the loan application process and answer all of your questions. Or, if you already know what you’re looking for, I’ll get you on your way. Just give me a call and I can get started!

* By refinancing an existing loan, your total finance charges may be higher over the life of the loan.

THE 5 W’S OF REFINANCING

WHY

Why refinance?

Lower payment
Pay off debt
Pay for college
Special vacation
Cash out
Switch from ARM to Fixed Rate
Reduce your loan term

WHAT

What types are available?

Cash Out Refinance
Debt Consolidation
Rate & Term (lower payment)
Streamline

WHO

Who can qualify?

Current homeowners
Current on your payments
Steady income
Credit scores as low as 580

WHEN

When should I refinance?

NOW! Rates are at historic lows.
Need monthly payment relief
When you want to pay off your house faster

WHERE

Where do I get help?

iServe! I am here as your licensed mortgage advisor.
Contact me today.
Easy application process

Home Loan Refinance Options

I have a good credit and a solid income

I'm a member of the armed forces

Conventional Refinance

If you’re looking to change your mortgage term, take out cash, consolidate debt, or lower your monthly payments, a conventional loan refinance is a great way to go! A conventional home loan refinance can help borrowers with good credit and a stable income to reap the rewards of their investment.

Who can qualify?

Borrowers with credit cores above 700 ideally
Borrowers with any existing loan type
Households with as little as 5% equity in the property

What are the benefits?

Can be used to finance an investment property
You may be able to lower your payment
Opportunity to take cash out

What are the features?

Options include: 15 and 30 year
Fixed, 5/1 and 7/1 ARM
Cash-out for up to 80% loan-to-value ratio

Back to refinance options

VA Loan Refinance

VA loans are an amazing benefit reserved for hard-working military personnel and their families. If you have an existing loan and want to lower your monthly rates or free up some cash, a VA loan is a great option. And if you already have a VA loan, you can get even more savings with an IRRRL loan.

Qualified military borrowers can refinance up to 100 percent of their home’s value. The cash-out refinance loan replaces your existing mortgage so you can secure lower interest rates.

Who can qualify?

Active-duty military personnel
Veterans
Reservists/National Guard
Surviving Spouses

What are the benefits?

Lower interest rates
More emphasis on current income/Flexible Qualification Standards
No down payment(up to the county limit)
No private mortgage insurance

What are the features?

No down payment on purchases up to the county limit
Maximum loan limit varies by state/county
Fixed and ARM programs rate/term, cash-out
Single-family, PUD attached/detached, condo approved

Back to refinance options

FHA Refinance

If you have an FHA loan and want to lower your payments, or if you owe more than your home is worth, or have a low credit score, an FHA loan refinance can help you turn your situation around. You’ll breath easier knowing you can save money every month.

Who can qualify?

First-time home buyers
Individuals wiht credit scores to 600 (*580 or lower in some cases)
Employees who earn a moderate income

What are the benefits?

Low down payment
Less stringent credit requirements
No early pre-payment penalties

What are the features?

Minimum 3.5% down payment
Loan amounts up to the FHA high-balance limits per state
Fixed and ARM programs

Back to refinance options

Apply Now

Realtors

Partnering with iServe Residential Lending, LLC on our Total Expert co-marketing platform can help you improve your business. Here are some specific features that highlight how co-marketing can improve your business:

Sell More Homes

Total Expert offers complimentary software for agents, loan officers, and other professionals to better align their brands and mutually grow their business through co-marketing and seamless collaboration on leads and with clients. This software platform provides access to powerful co-marketing tools in addition to a robust CRM integrated with most lead sources.

Contact Management
- 2000 Free Contacts
- Built-in Drip Campaigns
- Centralized Lead Management
Single Property Sites
- IDX and Social Sharing Integrations
- Modern, Mobile-friendly Web Themes
- Web-based Lead Generation

Open House App
- Automated Lead Capture
- Mobile App For Every Device
- Customizable Lead Follow-up
Print Marketing
- Brand Building Print Assets
- Co-Marketing Opportunities
- Targeted Mailing Lists

Contact Management

Agents can bring all of their leads into Total Expert’s highly customizable CRM, which includes built-in email drip campaigns, web integrations, and automation technology.

Simplified for you

Stay Connected

Real estate agents enjoy up to 2000 contacts free with Total Expert’s complimentary CRM.

Automated Nurturing

With email drip campaigns already built in, agents can deploy follow-up campaigns instantly

Multisource Oversight

Agents can bring leads from any source from across the web into the Total Expert CRM automatically.

The Open House App

Total Expert’s Open House App solves one of the industry’s biggest challenges by assuring lead capture and automated follow-up in the most cost effective way.

Lead Capture

Agents secure contact information for every buyer, at every open house seamlessly.

Mobile-Friendly

The Open House App works on every device, allowing for an easy setup anywhere.

Automated Follow-Up

Every buyer is added to an email drip campaign automatically for timely follow-up.

Single Property Sites

With IDX and social sharing integrations, presenting a client’s home in a modern, professional way has never been easier. Single property sites help agents stand out from the rest, and sell more homes.

Easy Social Sharing

Agents can publish content from single property sites to social media directly.

Modern Web Design

Every single property site meets today’s SEO requirements, including a responsive framework.

Professional Listings

Win more listings with modern single property sites that deliver ideal customer experiences.

Print Marketing

Print marketing helps agents elevate their brands with modern design, and simplified printing and delivery.

Fast Implementation

Agents can deploy branded print assets quickly, including postcards, flyers, and brochures.

MLS Integration

MLS data can be pulled directly into every print marketing asset to populate photos, and more.

Targeted Distribution

Every Door Direct Mail (EDDM) makes targeting customers easy and cost effective.

Agent Package

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Loan Application Process

What to Expect When You Purchase Your Home

STEP 1 - PRE-QUALIFICATION

If you're purchasing a home, pre-qualification lets you know the loan amount you qualify for, so you can start your search with a realistic budget in mind.
STEP 2 - APPLICATION

Here you will begin to fill out our fully digital and easy online application, making this as stress free as posible. And you can also find help here you with your application.
STEP 3 - APPRAISAL

Once you're in contract, we'll order an appraisal. An appraiser will value the property, based on size, condition and location, so you can move forward with peace of mind. You will receive a copy of the appraisal.
STEP 4 - VERIFICATION

We'll verify your employment, credit history, assets, and income to determine your eligibility.
STEP 5 - UNDERWRITING

A loan decision will be made at this stage.
STEP 6 - LOAN DOCUMENTS

If you're approved and any conditions are satisfied by the underwriter, your loan docs will be drawn and sent to your closing agent.
STEP 7 - CLOSING

Here’s the fun part! Once your loan docs have been signed and funds are transferred, the Deed to the property records and escrow is closed. Now you can start planning your housewarming party!

Apply Now