Services:

   ۰ Refinance Loans   ۰ Purchase Loans   ۰ Debt Consolidation Loans

With my one stop-shop approach to financing, the extra cost and complexity that usually occurs between realty, mortgage and settlement has been eliminated.

I have a powerful lending pipeline with access to the industry’s best mortgage programs. This enables me to handle potentially difficult qualifying situations (income, credit, down payment, self employment, etc.) that other lenders will not even consider. I don’t think of homeowners in terms of income and credit scores.

REFINANCE LOANS

When it comes to refinancing, the key word is “low.”
I can help you with a low-rate, low-fee, low-hassle loan.

There are a number of ways to improve your financial situation through refinancing, and finding a rock-bottom rate is just the tip of the iceberg.

I have access to hundreds of loan programs that can generate significant savings on a monthly basis and over the life of the loan — if you understand your options. Call me for a free loan assessment and I will create a custom loan program that keeps you from wasting money on unnecessary mortgage interest.

Not sure if it’s time to refinance? Here are 5 good reasons:

• Get a lower rate

• Get a shorter term

• Get cash out from your equity

• Move to a more secure mortgage

• Eliminate mortgage insurance

1) Lower rates all the time.*
If you have been waiting for the right time and the right rate to refinance your loan, I have access to the industry’s rarest mortgage programs. In addition to direct lending products, I have a loan pipeline of more than 50 lending institutions, giving you access to our high-volume loan discounts and incentives. I create this competitive advantage and pass the savings to my clients.

DID YOU KNOW… that you don’t have to wait for interest rates to drop to get a lower rate? Homeowners should know that long-term fixed loans, like the 30-year fixed, are not for everyone. Unfortunately, most people are not enjoying the lowest rate loan for their unique home-owning situation. With a free loan assessment you will know about the wide variety of lower interest loans that are best suited for you.

2) Lower your term and pay less interest.*
For some homeowners, refinancing to a shorter term is the right move.

The shorter the term the more that is saved in interest over the life of the loan. For people who are embarking on a planned reduction of income, like retirement, there also might be a desire to eliminate future monthly expenses, like a mortgage payment.

DID YOU KNOW… that it is possible to reduce your term and pay roughly the same payment every month? If you have been building equity in your home — as little as two years’ worth — you might be able to refinance to a shorter term at a lower rate. Imagine paying off your home earlier and saving thousands without a big hit in monthly payment.

3) Lower your tax bill** by using your home equity.*
Refinance your mortgage and cash out your equity to pay for life’s big expenses — with tax-friendly** interest. Refinance your rate or term and get the added benefit of cash for:

• Make home improvements

• Pay off high-interest debt

• Get funds for education

• Take a vacation

• Buy a car or boat

• Buy an investment property

• Best of all, by using your home equity you can write off the interest and save thousands.

DID YOU KNOW… that you can cash out home equity above and beyond your home’s value? When you refinance with me, you can take out cash up to 107% of the value of the home.

4) Lower rate risk for peace of mind.*
If you have a volatile loan like a variable rate loan, you should consider refinancing to a more stable loan program before your interest rate gets too high. For many borrowers their income and credit rating may have improved since they first applied for a loan. Now, they can take advantage of refinancing for a more secure term and rate.

Other good times to refinance include:

• An Adjustable Rate Mortgage (ARM) that is nearing the end of the fixed rate period

• A balloon payment is nearing

Get a free mortgage assessment and see if refinancing to a more secure loan is right for you.

DID YOU KNOW… that I have ARMs and balloon payment loans that allow you to “convert” to a 30-year fixed rate during the term of the loan?

5) Lower your mortgage payment by eliminating mortgage insurance.*
If you did not have a 20% down payment when you bought your home, you are probably among the many homeowners who pay mortgage insurance every month. Mortgage insurance might be costing you thousands every year, and it will not do anything to chip away at your loan amount. By refinancing you can use the equity in your home to avoid that mortgage insurance and save on your monthly payment.

DID YOU KNOW… that even if you do not have much equity in your property you can refinance your loan with no mortgage insurance? Call me to find out how to avoid mortgage insurance by adding traditional mortgage insurance to your rate or by using a home equity line of credit.

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PURCHASE LOANS

Buying a Home.
The home of your dreams is closer than you think. I am dedicated to removing the barriers to home financing by offering excellent service and a wide variety of loan products.

Clients often ask how I can afford to offer higher levels of customer service than the competition and still provide low rates?

The answer is simple.  Great rates and great service translate into life-long clients, repeat business and referrals — so being the best simply makes good business sense!

I go the extra mile for my clients...

Savings: My system is streamlined with mortgages, title and underwriting services all under one roof. This system creates savings which I pass directly to the client.

Speedy service: Prompt, attentive customer service minimizes the time to close your loan. I work smart to make sure your loan closes on time.

Less paperwork: My unique processing procedures are continually revised and refined in order to cut paperwork to the bare minimum.

I find loans to fit my clients individual needs.
I do not offer cookie-cutter options for only the easiest applications. I pride myself on doing the extra legwork necessary to help the greatest number of individuals achieve home ownership.

Loan programs that I gladly service:

First-time homebuyers: Cost-sensitive programs are available for the first-time homebuyer, including low- or no-down payment options for qualified borrowers.

Less than perfect credit: Loan programs are available to help clients who may have blemishes on their credit profile. I have helped clients with A through D credit.

Hard to prove income: Low- and no-document programs are available to help qualify customers with hard-to-prove income.

Other atypical applications: Additional loan programs include but are not limited to: no-ratio test loans, no income/no asset loans, expanded exception programs, expanded cash-out refinances, second homes, investment properties, condominiums and foreign nationals.

Understanding the market and listening to my clients.
There is a whole lot more in today's mortgage market than just fixed and adjustable rate loans. I am up to date with the myriad of loan products on the market. By learning more about you, the client — not just where you are, but where you plan to be — I can help you pick the loan option that makes the most sense for you.

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DEBT CONSOLIDATION LOANS

Your house is an investment. Make it work for you.

I work hand in hand with my clients to help put them in the best possible financial situation. Find out how a debt consolidation program can change your life.

Debt Consolidation is the SMART thing to do:

Slash your debt payments by as much as 50%
Make one manageable monthly payment
Avoid harassment from creditors or even bankruptcy
Reap the benefits of better rates and extra cash
Take control of your finances and your credit rating

Debt consolidation is about taking back control.
Once you've found yourself in debt, it can feel like scaling a mountain that grows taller faster than you can climb. Debt has a sneaky way of adding up, and the way out of debt is often hard to figure out. If you own a home you should consider a debt consolidation program — a proven method for reducing the amount of money wasted on interest.

How it works.
My debt consolidation programs help you because they:

• Turn a bundle of high-interest debt into one manageable payment
• Save hundreds of dollars every month (as much as $1,000 per month) by eliminating high-interest debt
• Pay off debt faster with less paid in interest
• Move your debt into a more tax-friendly* mortgage payment

Your creditors want you to do nothing.
There is a reason that creditors allow their customers to make minimum payments; because it makes them rich.

Revolving debt, such as credit card debt, is compounded throughout the life of the loan. Only a miniscule fraction of a minimum payment actually goes toward the principal. That way the loan lingers for a long time, all the while funneling thousands of dollars in interest to the creditor. Certain unsecured fixed loans, such as car loans, are not much better. Although the term is fixed, the creditors often have borrowers pay high interest rates on these loans.

I can help you leverage your home equity to put an end to high-interest debt. With the debt consolidation program, you can replace high interest loans with one tax-deductible,* lower-interest, low-payment loan.

What you do with the extra cash every month is up to you.
Use it for home improvements, save for education or retirement or pay off your debt more quickly.

Caveat emptor. (Buyer beware)
There are many worthwhile options for a consumer considering debt consolidation, but not all of them are equal. Be sure to do your homework first.

Thomas Rocco vs. the bank: I realize the value of a homeowner. Having a lot of debt can translate into lower credit scores and most banks are reluctant to help these customers. I am a credit specialist with financial pipelines designed to serve homeowners. I am simply better equipped to offer more flexible debt-reduction programs, at typically lower rates than the average bank.

Thomas Rocco vs. the dot-com websites: I use my brain-power, rather than just a computer to find the best possible debt consolidation program for your unique debt portfolio. Certain websites share your information with an undisclosed number of lenders, allowing them to examine your credit. And every time they examine your credit, your credit score can go down. Also beware of online gimmicks that lure borrowers by hiding certain fees and costs into higher rates.

Thomas Rocco vs. credit counseling programs: I offer a homeowner a program that not only lowers your interest rate and payment, but also improves your credit rating. This is not the case with many credit counseling programs. These programs can have a very negative effect on your credit rating. In fact, lenders consider some of these programs as the equivalent of a bankruptcy. A few of the credit counseling programs have been identified as outright consumer fraud.

Contact Me...
Sooner or later most of us will have to finance something, and with Thomas Rocco you can be sure to learn the SMART way to manage the interest.

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*For qualified applicants. Void where prohibited. Not available in all states. Rates, terms, and conditions subject to change without notice.
**Consult your tax advisor.