Our Programs & Products

  • Conventional fixed and adjustable rate mortgages
  • Interest Only Loans
  • No Closing Cost Loans
  • No PMI & No Escrow Loans
  • FHA including 203k
  • VA & VA Renovation
  • Low Fixed Rates
  • First Time Homebuyers
  • Relocation Mortgages
  • Credit Improvement Counseling
  • Fannie Mae Homestyle
  • Home Improvement Loans
  • Investor Loans
  • Farm Loans
  • Home Equity Financing
  • CEMAs for Refinancing
  • USDA
  • Jumbo Loans
  • Renovation/Rehabilitation
  • Construction Loans
  • Debt Consolidation Refinances
  • HARP and HASP Refinances
  • Streamline FHA Refinances
  • Appraisal Waivers
  • Fannie Mae Homepath
  • Fannie Mae High Balance
  • No Equity Refinances
  • 5, 8, 10 & 11 year mortgages
  • Fannie Mae
  • Freddie Mac
  • Reverse Mortgages

Joanne was amazing through our forever long process (or so it seemed). As first time home buyers, we had a really bad experience with another lender and Joanne blew us out of the water. She explained the step by step process and never hesitated to explain things further if we did not understand. She answered all our questions in a timely manner. Joanne was there even on weekends and late nights. My fiancé and I cannot thank Joanne enough for all she did for us! We definitely will recommend her to our friends! We also want to thank our laywer (who recommend Joanne to us!). They are a dynamic duo!!! If you think you want to work with Joanne do not hesitate, you will not be disappointed

646 Plank Road, Suite 102 Clifton Park, New York 12065

518.982.0480 | Office
518.982.0483 | Fax

NMLS# 872824

Servicing Florida: SWFL, Clearwater, Panama, Tampa Bay, St Petersburg, Punta Gorda, Sarasota, Brandenton, Port Charlotte, Fort Myers, Cape Coral , Bonita Springs, and Naples.

239.227.8505 | Florida Office