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
Some Highlights: Existing home sales are currently at an annual pace of 5.81 million, the highest pace since December 2006. The inventory of existing homes for sale has dropped year-over-year for the last 30 consecutive months and is now at a 3.4-month supply. NAR’s...read more
As home values continue to increase at levels greater than historic norms, some are concerned that we are heading for another crash like the one we experienced ten years ago. We recently explained that the lenient lending standards of the previous decade (which...read more
The National Association of Realtors (NAR) recently released their 2017 Profile of Home Buyers and Sellers in which they surveyed recent home buyers and sellers about their experiences. An entire section of the profile is dedicated to buyers’ experiences with their...read more
There are many benefits to homeownership. One of the top benefits is protecting yourself from rising rents, by locking in your housing cost for the life of your mortgage. Don’t Become Trapped A recent article by Apartment List addressed rising rents by stating:...read more
Here are four great reasons to consider buying a home today instead of waiting. 1. Prices Will Continue to Rise CoreLogic’s latest Home Price Index reports that home prices have appreciated by 7.0% over the last 12 months. The same report predicts that prices will...read more
Mortgage rates fell on average the last week of November, causing a spike in mortgage refinance applications, according to recently released data from the Mortgage Bankers Association (MBA). Mortgage rates are significantly lower than they were a year ago, giving...read more
Some Highlights: The Federal Housing Finance Agency (FHFA) recently released their latest Quarterly Home Price Index report. In the report, home prices are compared both regionally and by state. Based on the latest numbers, if you plan on relocating to another state,...read more
In a recent CNBC article, it was reported that many baby boomers are selling their current homes and moving into rentals, rather than purchasing another home. “Between 2009 and 2015, the number of renters aged 55 or above rose 28 percent, while those aged 34 or...read more
We recently shared that over the course of the last 12 months, home prices have appreciated by 7.0%. Over the same amount of time, interest rates have remained historically low which has allowed many buyers to enter the market. As a seller, you will likely be most...read more
So, you’ve been searching for that perfect house to call a ‘home,’ and you finally found it! The price is right, and in such a competitive market, you want to make sure that you make a good offer so that you can guarantee that your dream of making this house yours...read more