Cost Effective Financial Services, Inc. ("CEFSINC" | NMLS# 300316) applies a mortgage planning approach with the first step discussing your profile, situation, loan preference, and GOALS. The result may be conventional or unconventional qualifying as your best fit. If unconventional for example, you may require easy-qualifying alternative documentation and loan options.
CEFSINC is a customer-centric lending source and its principals since 1987 have secured financing for all types of residential mortgage loans and property types for conventional and non-conventional borrower profiles. In addition, the same for commercial mortgages requiring a little creative financing. This is an advantage for a customer/borrower working with us to access better rates, more choices, and a larger variety of loan programs & options.
If you are 55 years or older, also see our Reverse Mortgage Options - no mortgage payment, receive monthly income or lump-sum cash. For more details click on our "More" tab see Reverse Mortgage sections or contact us.