"There's more to a good mortgage than just a Great Rate"™  ME!

It's my job to get you the best loan for your needs at the best rate available in the market place. I get you the best loan through mortgage planning. I look at your overall financial health and needs and recommend a mortgage solution that will compliment your short term and long term goals.

Many of my clients are not wealthy in fact I deal with a lot of first time home buyers. Yet these clients need mortgage planning just as much as the affluent buyer. By focusing my attention on issues that affect them most like credit card debt, credit, cash reserves, 401(K), and risk management, I am able to help guide them on the road to a brighter financial future.

To Your Financial Health,
Todd Dawkins

From 2001 to about 2006 subprime mortgages made FHA - insured mortgages look like a relic of the past. But as we are finding out the hard way some oldies really are goodies.

Now with the death of subprime mortgages, like the extinction of dinosaurs from the ice age, FHA mortgages have once again become the mortgage of choice for the masses. Whether your a first time home buyer, have credit challenges or have limited purchase funds an FHA loan is for you!

That's because these Government Loans are the only loans that will let you put a minimum of a 3.5% down payment for FHA Loans and 100% financing for VA loans.

Conventional loans now a days require a minimum of 10% down payment and thats if you can qualify for the mortgage insurance which is supplied by a third party company. 

FHA Loans are government loans, They are partially insured by  the U.S. Government in case of default by the borrower. Click the above link to read more about these programs.

 Jumbo Loans are loan amounts that are over the Fanne Mae conventional loan amounts of $417,000. With the tightening of credit going on in our industry, investor appetite has dried up for Jumbo Loans. Rates are much higher than they used to be for Jumbo Loans and lending guidelines are tighter with lower loan to value limits.

 Fortunately I have an outlet for Jumbo Loan Amounts up to $900,000 with GREAT Jumbo Loan Rates click the above link to find out more.

Reverse Mortgage, HECM For Purchase Program

 Most reverse mortgages require you be at least 62 years of age, have a low or zero balance owed against your home and maintain the property as your principal residence.

Reverse mortgages are ideal for homeowners who are retired or no longer working and need to supplement their income. Interest rates can be fixed or adjustable and the money is nontaxable and does not interfere with Social Security or Medicare benefits. Your lender cannot take property away if you outlive your loan nor can you be forced to sell your home to pay off your loan even if the loan balance grows to exceed property value.

As of January 2009 the HECM, Reverse Mortgage, can be used for the purchase of a new primary residence!! Click the link above to read how powerful a tool this can be for all you retired folk moving down south to buy your dream home in sunny Florida.

 Loan Modification

 FREE Loan Modifications; Learn how to increase your chances by 80% to do your own successful Free Loan Modification. Click on the above link to get you on your way to your very own Loan Modification!

Trust me to find the mortgage loan that best fits your needs, too. "Paper less technology, closings to fit your time schedual and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! I can help you get there.