Helping people turn DREAMS INTO REALITY
Types of Transactions We Handle:
- Residential Purchase Financing
- Rate and Term Refinancing
- Cash-Out Refinancing (Most States)
- Investment Property Loans
- Condo & Townhouse Financing
Products We Offer:
- Conforming Fixed Rate Mortgages
- Conforming LIBOR ARMs (3/1, 5/1, 7/1)
- FHA and VA Loans
- FHA Low Fico, 203K Loans, & ARMs
- VA Interest Rate Reduction Refinance (IRRRL)
- DU Refi Plus
- Jumbo Loans
- USDA Mortgages
Toby helped us refinance our house and he made it a very quick and easy process. He was always easy to reach when we had questions and even came to closing in case there were any unexpected issues that came up. We highly recommend him if you're looking to purchase a home or refinance an existing mortgage.
James & Tammy
If you're looking for someone who knows financial services, then Toby Robinson would be that person. Toby was there no matter what! Toby knows his business and to me that was very important. He has a Great personality and is always upbeat. You won't regret using Toby!
Norman & Kathy Coots
I would like to recommend Toby for his impeccable service that he provided to me during the purchase of 8 condos in CSB! The level of service Toby provided was beyond what I expected and what we call in the retail world, 'Legendary'.
My wife and I were anxious when it came to applying for our first home loan. Our realtor referred us to Toby because of his work ethic and knowledge of the loan process. Toby was with us every step up the way as he walked us through and made it easier on us. He answered all of our questions, even after business hours and during his vacation. We plan to work with Toby on future properties.
Brandon & Karen, City of Oak Ridge North, TX
The market for single-family homes designed for people 55 and older reached a new high in the fourth quarter of 2017. Builder confidence in the 55+ market hit a level of 71, up 12 points from the previous quarter, according to the National Association of Home...read more
More homes were built in the first month of January, starting 2018 on an optimistic note for economic growth and real estate prices. The number of new housing units being constructed rose 9.7% in January from the previous month to an annual rate of 1.326 million, the...read more
Mortgage interest rates have already risen by over a quarter of a percentage point in 2018. Many are projecting that rates could increase to 5% by the end of the year. What impact will rising rates have on house values? Many quickly jump to the conclusion that an...read more
According to the latest Aspiring Home Buyers Profile by the National Association of Realtors (NAR), 82% of surveyed renters desire to own a home in the future, with 80% believing homeownership is a big part of achieving their American Dream. The profile went on to...read more
Every homeowner wants to make sure they maximize their financial reward when selling their home. But how do you guarantee that you receive the maximum value for your house? Here are two keys to ensure that you get the highest price possible. 1. Price it a LITTLE LOW ...read more
Whether you are buying or selling a home it can be quite the adventure, which is why you need an experienced real estate professional to guide you on the path to achieving your ultimate goal. But in this world of instant gratification and internet searches, many...read more
Some Highlights: The Cost of Waiting to Buy is defined as the additional funds it would take to buy a home if prices & interest rates were to increase over a period of time. Freddie Mac predicts interest rates to rise to 5.1% by 2019. CoreLogic predicts home prices to...read more
There has been tremendous volatility in certain markets over the last few weeks (for example, the stock and currency markets). When this happens, some tend to lump all of their investments together and create an almost ‘Armageddon’ scenario where everything loses...read more
According to the National Association of REALTORS most recent Profile of Home Buyers & Sellers, married couples once again dominated the first-time homebuyer statistics in 2017 at 57% of all buyers. It is no surprise that having two incomes to save for down payments...read more
According to CoreLogic’s latest Home Price Index, prices appreciated by 6.9% year-over-year from December 2016 to December 2017 on a national level. This marks the fifth month in a row with at least a 6.9% increase. Dr. Frank Nothaft, Chief Economist for CoreLogic,...read more