Residential Loans

Express Financial Services Group is a team of mortgage brokers and experts in locating the best mortgage for your individual circumstances. We have extensive experience in the Jumbo, Super Jumbo, conforming mortgage, and are particularly specialized in niche products. We can help you secure a residential mortgage loan, even if you have a bad credit history or challenging circumstances. We pride ourselves upon finding the best mortgage for you in the shortest possible time, plus making the experience as hassle-free as possible.

We have always been on the side of the customer, always suggesting the most appropriate mortgage for you. We have an unparalleled depth of experience within mortgages for home buyers. All of our brokers and mortgage administrators have worked for several years within major lenders. Consequently, we know what is required to get the best result in the quickest possible time!

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Beyond Banks and Credit Unions

We offer a unique set of products not generally available or offered by your banks and credit unions. Whether you need a mortgage, mortgage refinancing, or a home equity loan, Express Financial Services Group is your best source for:

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The simplest application process
so you save time securing your loan

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Advice and guidance at every
stage of your loan process

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Complete understanding of your financial
situation even if you’vehad bad credit or
financial problems in the past

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Speedy closing procedures so you can
utilize putting your money to work right away!

Loan Programs

We have several residential loan programs which cater to borrowers with special needs, including:

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Fixed-Rate Mortgage

A mortgage with a fixed interest rate remains the same for the entire life of the loan. It’s a great choice if you want to budget your monthly payments and know exactly what you’ll owe each month.

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Discount Points

A way to buy down your interest rate is by paying points. One point equals 1% of the loan amount. For example, if you borrow $100,000 and pay one point, you would pay $1,000.

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30 or 15 Year Fixed Loans

A 30-year fixed loan is amortized over 30 years, while a 15-year fixed loan is amortized over 15 years. These loans have the same interest rate for the entire life of the loan.

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Adjustable Interest Rate Mortgage (ARM)

An adjustable-rate mortgage has an interest rate that can change during the life of the loan. This type of mortgage usually starts out with a very low-interest rate for a set period of time, usually one, three, five, or seven years.

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Balloon Mortgage

A balloon mortgage is a short-term fixed-rate mortgage. The loan payments are fixed for a certain period, usually five or seven years, but the principal payment is due in full at the end of the loan term.

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Buy Down Loan Program

This program allows you to purchase down the interest rate on your loan. You may choose to buy down the rate for the entire life of your loan, or just for a particular period of time.

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Non-Conventional Loans

We also offer a variety of non-conventional loans for borrowers who don’t fit into the traditional mortgage categories. These include jumbo, super jumbo, and portfolio loans.

If you are looking for a residential mortgage loan, we encourage you to apply with Express Financial Services Group. With our years of experience and knowledge in the mortgage industry, we can help you find the best mortgage for your specific needs.