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As a Direct Lender, our Private Mortgage Bankers provide competitive Mortgage Rate Quotes at no obligation or upfront cost. We understand the challenges faced in seeking a Home Purchase Loan or Mortgage Refinance, and service your financing needs honestly and efficiently.
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Buying a home is exciting - enjoy your new Home Purchase and let the Home Buying Experts take care of the details. Most importantly, your Home Loan will close on time, and as expected.
Refinance your Home Loan with a Direct Mortgage Lender who uses their own money.
Refinancing your mortgage with Iwith our Experts just makes sense! We have the lowest refinance rates in the nation, and beat the competitions rates garanteed.
The variety of programs is second to none. From FHA, to Stated Income and Portfolio Products, Residential or Commercial, we have it all. Come to those who lend.
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GetProAdvice is a professionalfirm that specializes in the identifying the needs of our clients and assists them in getting to their inquireddestination via regional and national experts in the essential fields. Our initial advice is always free. We specialize in the financial and transactional fields such as Banking, Commercial and residential Mortgages, Automobile loans and leases, Accounting, Financial Planning, all insurance products i.e. health, life, property, casualty etc. We will also unite you with Legal experts, Real estate companies and Any large purchases that you might beplanning in your life. We have over25 years of expertise in commercial and residential real estate markets as well as automobiles and airplanes. Home Building, Moving, Relocating we have what it takes. We assist individuals find professionals for their immediate needs. We consult Businesses with financial endevours, business leases and purchases and marketing. We begin by identifying the area of the targeted inquest. We continue discovery with the client to categorize their specific needs. Once the objective is established we arrange an electronic or a telephonic escort for the client to get to the proper expert. Once the client is in direct communication with the chosen professional we follow up in the near future to make sure the client was properly taken care of. We rate every Company and individual Experts that we refer. Every one of our experts goes through a rigorous interview process before they can be officially certified by GPA.
30 YEAR FIXED

30 YEAR FIXED

Which loan type is right for me?
Fixed-Rate Loans:
Fixed-rate loans are currently the most popular mortgage products. People generally like fixed-rate loan products because they provide the stability of knowing exactly what your mortgage payment will be each month for the entire term of the loan.
Fixed-rate loans are available in a 30 year, 20 year and 15 year terms.
A fixed rate mortgage is a good choice in the following scenarios:
1. Interest rates may rise in the next few years and you want to keep the current rate
2. You plan to stay in your house for many years
3. You prefer the stability of a fixed principal/interest payment to a payment that periodically changes (adjustable-rate payment amounts periodically change according to the interest rate)
Adjustable Rate Loans (ARM)
Adjustable-rate loans (ARM) provide a low interest rate for the initial payment period. Compared to fixed-rate loans, these loans allow you to save on your monthly payment at the beginning of your loan term.
Adjustable-rate loans are available in 30-year and 15-year terms and your interest rate will stay the same for the first 7 or 5 years before being open to annual adjustment.
An adjustable-rate mortgage is a good choice in the following scenario:
1. You are planning to move in a few years (before the end of the initial rate period) and are not concerned about future rate increases
2. You think interest rates may fall in the future
3. You want a lower initial monthly payment than a fixed-rate mortgage usually offers
Government Loan Options:
The Federal Housing Administration (FHA) and the U.S. Department of Veterans Affairs (VA) offer government-insured mortgage loans. These loans are generally easier for first-time home buyers to obtain and offer the following advantages:
1. Low down payment requirements
2. Flexible credit score and income guidelines

APPLY NOW !
15 YEAR FIXED

15 YEAR FIXED

Which loan type is right for me?
Fixed-Rate Loans:
Fixed-rate loans are currently the most popular mortgage products. People generally like fixed-rate loan products because they provide the stability of knowing exactly what your mortgage payment will be each month for the entire term of the loan.
Fixed-rate loans are available in a 30 year, 20 year and 15 year terms.
A fixed rate mortgage is a good choice in the following scenarios:
1. Interest rates may rise in the next few years and you want to keep the current rate
2. You plan to stay in your house for many years
3. You prefer the stability of a fixed principal/interest payment to a payment that periodically changes (adjustable-rate payment amounts periodically change according to the interest rate)
Adjustable Rate Loans (ARM)
Adjustable-rate loans (ARM) provide a low interest rate for the initial payment period. Compared to fixed-rate loans, these loans allow you to save on your monthly payment at the beginning of your loan term.
Adjustable-rate loans are available in 30-year and 15-year terms and your interest rate will stay the same for the first 7 or 5 years before being open to annual adjustment.
An adjustable-rate mortgage is a good choice in the following scenario:
1. You are planning to move in a few years (before the end of the initial rate period) and are not concerned about future rate increases
2. You think interest rates may fall in the future
3. You want a lower initial monthly payment than a fixed-rate mortgage usually offers
Government Loan Options:
The Federal Housing Administration (FHA) and the U.S. Department of Veterans Affairs (VA) offer government-insured mortgage loans. These loans are generally easier for first-time home buyers to obtain and offer the following advantages:
1. Low down payment requirements
2. Flexible credit score and income guidelines

APPLY NOW !
5-1 AND 7-1 ARM

5-1 & 7-1 ARM

Which loan type is right for me?
Fixed-Rate Loans:
Fixed-rate loans are currently the most popular mortgage products. People generally like fixed-rate loan products because they provide the stability of knowing exactly what your mortgage payment will be each month for the entire term of the loan.
Fixed-rate loans are available in a 30 year, 20 year and 15 year terms.
A fixed rate mortgage is a good choice in the following scenarios:
1. Interest rates may rise in the next few years and you want to keep the current rate
2. You plan to stay in your house for many years
3. You prefer the stability of a fixed principal/interest payment to a payment that periodically changes (adjustable-rate payment amounts periodically change according to the interest rate)
Adjustable Rate Loans (ARM)
Adjustable-rate loans (ARM) provide a low interest rate for the initial payment period. Compared to fixed-rate loans, these loans allow you to save on your monthly payment at the beginning of your loan term.
Adjustable-rate loans are available in 30-year and 15-year terms and your interest rate will stay the same for the first 7 or 5 years before being open to annual adjustment.
An adjustable-rate mortgage is a good choice in the following scenario:
1. You are planning to move in a few years (before the end of the initial rate period) and are not concerned about future rate increases
2. You think interest rates may fall in the future
3. You want a lower initial monthly payment than a fixed-rate mortgage usually offers
Government Loan Options:
The Federal Housing Administration (FHA) and the U.S. Department of Veterans Affairs (VA) offer government-insured mortgage loans. These loans are generally easier for first-time home buyers to obtain and offer the following advantages:
1. Low down payment requirements
2. Flexible credit score and income guidelines

APPLY NOW !
FHA

FHA

Which loan type is right for me?
Fixed-Rate Loans:
Fixed-rate loans are currently the most popular mortgage products. People generally like fixed-rate loan products because they provide the stability of knowing exactly what your mortgage payment will be each month for the entire term of the loan.
Fixed-rate loans are available in a 30 year, 20 year and 15 year terms.
A fixed rate mortgage is a good choice in the following scenarios:
1. Interest rates may rise in the next few years and you want to keep the current rate
2. You plan to stay in your house for many years
3. You prefer the stability of a fixed principal/interest payment to a payment that periodically changes (adjustable-rate payment amounts periodically change according to the interest rate)
Adjustable Rate Loans (ARM)
Adjustable-rate loans (ARM) provide a low interest rate for the initial payment period. Compared to fixed-rate loans, these loans allow you to save on your monthly payment at the beginning of your loan term.
Adjustable-rate loans are available in 30-year and 15-year terms and your interest rate will stay the same for the first 7 or 5 years before being open to annual adjustment.
An adjustable-rate mortgage is a good choice in the following scenario:
1. You are planning to move in a few years (before the end of the initial rate period) and are not concerned about future rate increases
2. You think interest rates may fall in the future
3. You want a lower initial monthly payment than a fixed-rate mortgage usually offers
Government Loan Options:
The Federal Housing Administration (FHA) and the U.S. Department of Veterans Affairs (VA) offer government-insured mortgage loans. These loans are generally easier for first-time home buyers to obtain and offer the following advantages:
1. Low down payment requirements
2. Flexible credit score and income guidelines

APPLY NOW !
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Residential Loans/Mortgages

Commercial Loans/Portfolio

CDs, Money Markets/Deposits

Prestige Business Checking Accounts No Monthly Maintenance FeesNo Minimum Balance RequirementsNo Check Printing FeesFree Internet Banking with Bill Pay Prestige Money Market Checking Accounts Earn Interest On Your Account6 Monthly Transactions by Check or ACH WithdrawalNo Monthly Maintenance FeesNo Minimum Balance RequirementsNo Check Printing FeesFree Internet Banking with Bill Pay
Commercial Mortgages:Self Liquidating Balloon Loans Interest Only Construction Loans with clear source of repayment Commercial Mortgage Line of Credit Short Term Loans with clear source of repayment Multifamily properties Garden Apartment ComplexesElevator Apartment BuildingsWalk-up Apartment BuildingsCooperative Apartment BuildingsRetail properties Commercial Real Estate Mixed-Use PropertiesShopping CentersTaxpayersOffice BuildingsOther Income Producing Commercial Real Estate Underlying Co-Op’s Commercial Condominiums Mixed Use Financing Owner Occupied
30 Year Fixed15 Year Fixed5-1 ARM7-1 ARMFHANO INCOMELOW DOWNPAYMENT
LOAN PROCESS

An Overview of the Loan Process
Organize Your Documents
Get Qualified
Shop Loan Programs and Rates
Obtain Loan Approval
Close the Loan
Organize Your DocumentsIf you are buying or refinancing a home 1. If you are salaried: provide two years W-2 and one month of pay stubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement. 2. If you own rental property, please provide rental agreements and two years tax returns. 3. If you wish to speed up the approval process, please also provide three months bank statements for each bank, stock and mutual fund account. 4. Provide recent copies of any stock brokerage or IRA/401K accounts that you may have. 5. If you are requesting a cash out refinance please provide a letter explaining what you plan to do with the proceeds. 6. Provide a copy of divorce decree if applicable. 7. If you are NOT a US citizen, provide us with a copy of your green card (front & back), or if you are NOT a permanent resident provide us with your H-1 or L-1 visa. If you are applying for a home equity loan 1. If you are salaried: provide two years W-2 and one month of pay stubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement. 2. If you own rental property, please provide rental agreements and two years tax returns. 3. Please provide a copy of the note on your first mortgage. This will normally be found in your closing loan documents. 4. Please provide a signed letter explaining what you plan to do with the proceeds. 5. Provide a copy of divorce decree if applicable. 6. If you are NOT a US citizen, provide us with a copy of your green card (front & back), or if you are NOT a permanent resident provide us with your H-1 or L-1 visa. Get QualifiedGetting qualified before you apply for a loan can help you understand how much you can borrow. When buying a house, you may get pre-qualified or pre-approved. You can typically get pre-qualified over the phone or on the Internet in a few minutes. A pre-qualification is not as beneficial as a pre-approval where you have to go through a more rigorous process which includes verification of your credit, income, assets and liabilities. It is highly recommended that you get pre-approved before you start looking for a house. This will help you: 1. Find out the maximum house you can buy, so you don't waste time looking for properties you can not afford.2. Puts you in a stronger position when you are negotiating with the seller, because the seller knows that your loan is already approved.3. Helps you close quickly, since your loan is already approved.Shop Loan Programs and RatesTo shop for a loan you will need to: 1. Think about how long you plan to keep the loan. If you plan to sell the house in a few years you may want to consider an adjustable or balloon loan. On the other hand, if you plan to keep the house for a longer time, you may want to look at fixed loans.2. Understand the relationship between rates and points. Points are considered to be prepaid interest and are tax deductible. Each point is equal to one percent of the loan. So for example 1 point on a $150,000 loan is $1,500. The more points you pay, the lower the rate you will get.3. Compare different programs. Shopping for a loan can be difficult. With so many programs to choose from, each of which has different rates, points and fees, it's hard to figure out which program is best for you. That's where an experienced loan officer can help you make a decision that's best for you. Obtain Loan ApprovalOnce your loan application has been received we will start the loan approval process immediately. This involves verifying your: 1. Credit history 2. Employment history 3. Assets including your bank accounts, stocks, mutual fund and retirement accounts 4. Property value Based on your specific situation, additional documents or verifications may be required. To improve your chances of getting a loan approval: • Fill out the loan application completely. • Respond promptly to any requests for additional documents. This is especially critical if your rate is locked or if you plan to close by a certain date. • Do not make any major purchases. Do not buy a car, furniture or another house till your loan is closed. Anything that causes your debts to increase might have an adverse affect on your current application. • Do not move money into your bank accounts unless it can be traced. If you are receiving money from friends, family or other relatives, please contact us. • Do not go out of town around the closing date. If you do plan to be out of town when your loan is expected to close, you may sign a power of attorney, to authorize another individual to sign on your behalf.Close the LoanAfter your loan is approved, you will be required to sign the final loan documents. This will normally take place in front of a notary public. Be prepared to:• Bring a cashier check for your down payment and closing costs if required. Personal checks are normally not accepted. • Review the final loan documents. Make sure that the interest rate and loan terms are what you were promised. Also, verify that the name and address on the loan documents are accurate. • Sign the loan documents. Your loan will normally close shortly after you have signed the loan documents. On refinance and home equity loan transactions federal law requires that you have 3 days to review the documents before your loan transaction can close.

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COMMERCIAL LOANS

Commercial Mortgages:
Self Liquidating
Balloon Loans
Interest Only
Construction Loans with clear source of repayment
Commercial Mortgage Line of Credit
Short Term Loans with clear source of repayment
Multifamily properties
Garden Apartment Complexes
Elevator Apartment Buildings
Walk-up Apartment Buildings
Cooperative Apartment Buildings
Retail properties
Commercial Real Estate
Mixed-Use Properties
Shopping Centers
Taxpayers
Office Buildings
Other Income Producing Commercial Real Estate

Underlying Co-Op’s
Commercial Condominiums
Mixed Use Financing
Owner Occupied

commercial_application.pdf

personal_financial_statement.pdf

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The information provided through any GPA(GetProAdvice) product is not a substitute for tax, legal and other professional advice where the facts and circumstances warrant. If any user in Customer's organization requires tax, legal advice or other professional assistance, each such user should always consult his or her own legal or other professional advisors and discuss the facts and circumstances that apply to the user. Any person who relies upon any information provided by GPA about, or which is contained in, any of the GPA's website from time to time does so entirely at their own risk. GPA therefore accepts no duty or liability to such persons whatsoever, other than a duty to act honestly in good faith. Without prejudice to the generality of the foregoing disclaimer: "GPA shall not be responsible to its members or to any third party for any act or default of, or any loss or damage caused by, any person placed on the website. Subject always to the foregoing disclaimers the normal procedure for including information on a website is as follows: The information on the website will have been provided to GPA by each Professional and will have been examined by one or more of that Professional's peers. In the case of Security Specialists, the Professional will have been interviewed. The inclusion on the Register or the website, of a Professional's name and details, attests that, in the opinion of the assessors, the applicant was of professional standing and met GPA's criteria for inclusion. However, these processes and actions do not assess the suitability of a person in relation to the particular requirements of a prospective client. Anyone using the Register or the website is therefore advised to make their own assessment of the individual's suitability for the required tasks, and to take suitable references, before employing them. If it receives any claim that a person on the website or the Register has behaved in an unprofessional manner, GPA will investigate and take such action under its Regulations as it deems appropriate. Certain links in on these pages will lead to websites which are not under the control of GPA. When you activate these you will leave this website. GPA has no control over and accepts no liability in respect of materials, products or services available on any website which is not under the control of GPA."

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