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
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Every month, CoreLogic releases its Home Price Insights Report. In that report, they forecast where they believe residential real estate prices will be in twelve months. Below is a map, broken down by state, reflecting how home values are forecasted to change by the...read more
According to the National Association of Realtors’ latest Realtors Confidence Index, 61% of first-time homebuyers purchased their homes with down payments below 6% from October 2016 through November 2017. Many potential homebuyers believe that a 20% down payment is...read more
There are many people sitting on the sidelines trying to decide if they should purchase a home or sign a rental lease. Some might wonder if it makes sense to purchase a house before they are married and have a family, others might think they are too young, and still,...read more
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According to Ellie Mae’s latest Origination Report, the average FICO® Score on all closed loans dropped to 722 which is its lowest mark since April. The average includes all approved refinance and purchase loans. FHA and VA loans showed the most opportunity for...read more
The housing crisis is finally in the rear-view mirror as the real estate market moves down the road to a complete recovery. Home values are up, home sales are up, and distressed sales (foreclosures and short sales) have fallen to their lowest points in years. It seems...read more
CoreLogic’s latest Equity Report revealed that “over the past 12 months, 712,000 borrowers moved into positive equity.” This is great news, as the share of homeowners with negative equity (those who owe more than their home is worth), has dropped more than 20% since...read more
Some Highlights: Buyer demand continues to outpace the supply of homes for sale which means that buyers are often competing with one another for the few listings that are available! Housing inventory is still under the 6-month supply needed to sustain a normal housing...read more