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First Time Buyers

REFINANCE even with little or no equity - FAST!

The government HARP program makes it possible for you to refinance even if you have little or no value in your home, with LTVs (Loan-to-Value) as high as 125% of your home's current value, EVEN if you have a second mortgage or private mortgage insurance.

Refinance With a HARP Loan Today

  • - Loan Up to 125% the Value of Your Home
  • - EVEN if you have a 2nd mortgage
    OR have Private Mortgage Insurance
  • - Historically low interest rates
  • - NO closing costs, NO cash out of pocket

Fast & Easy Application

Looking to Buy Your Dream Home?

  • - First time Buyer Programs
  • - Fast and FREE Pre-Approval
  • - Zero Down for Qualified Buyers
  • - Local, Understanding Experts

Fast & Easy Application

"We want to thank you for being not only professional, but honest and up front with regard to all costs and issues. We worked with Ben Zitting who knew exactly what he was doing and answered all of our questions in a timely manner. You made the process of buying our second home a smooth transition in a very stressful time. "

Troy

"My husband and I are truly indebted for the assistance that you provided. The open communication and quick turnaround on our home refinance, was amazing. We received an incredible interest rate with no closing costs! Our refinance was a very smooth process because of you, and we cannot say thank you enough."

Natalee
St. George, UT

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"Thank you for not only meeting, but exceeding our expectations during every step of our home loan process. We now pay our home mortgage without worrying!"

Tony
Salt Lake City, UT

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