Our Timeless Family includes a privately held mortgage lending company so we can better care for the people we serve. Buying a home is probably the most important (and largest) investment you will make in your lifetime, and your mortgage is a very important aspect of keeping that asset safe and secure. Our team of mortgage experts is committed to helping you find the right product to suit your needs. We have worked hard to find capital providers, including wholesale commercial and residential lenders, so we can offer a range of options and find the perfect fit.

The first step is to set an appointment with a member of our team. You can trust us to work hard for you, and care for your needs and interests, above all. We care about our clients – and our goal is to help them through the various financial issues in life with success and confidence.

We offer a range of mortgage solutions to choose from, including:

A conventional mortgage is a common type of property loan that is most often appropriate for people who have good-to-excellent credit.

An FHA (Federal Housing Administration) loan can be the right choice for people who have lower credit scores, smaller down payments, or need to refinance and don’t currently have a large amount of equity in the home.

Most former or active members of the armed forces will qualify for a VA mortgage. Those who serve in the reserve or National Guard are also eligible. The advantage of a VA loan is that no down payment is required. The option of 100% financing makes these mortgages very appealing.

The USDA (United States Dept. of Agriculture) offers a program to specific home buyers that helps lenders provide those with low-to-moderate income buy certain types of homes in qualifying rural areas. The home must be used as the primary residence of the mortgage holder.

The mortgage industry allows for larger mortgages to be issued that are above the standard loan limits set by Fannie Mae and Freddie Mac (government sponsored mortgage fund suppliers). Each state, as well as certain cities, has limits on the amount that can be loaned on a specific property. Jumbo mortgages are available for some buyers who are purchasing a primary residence, vacation property, and investment properties.

Home and investment property mortgages are available from lenders called “portfolio lenders.” These mortgages are held by the lender rather than later being sold to another entity. This type of loan can be a good option for certain buyers, and our team has powerful connections that can be accessed for these mortgages.

Interested in upgrading a property, or investing in new construction? Renovation and construction loans provide the opportunity to make a property more valuable or allow for new construction to occur. A range of lenders offer these loans for various projects. In some cases, upon completion, the construction loan becomes a standard mortgage. Your new construction or renovation loan must be customized to suit your situation – and we can help.

A reverse mortgage is a loan against your existing property that is converted into payments that come to you, and has the benefit of making it possible for you to collect monthly checks, typically without risk of having to move out of your home during your lifetime. If you pass away, sell your home, or move, the loan will then be repaid by the appropriate party.

Estate planning is the process of arranging your affairs so they are in order and protecting your assets for the people you love and care for. Estate planning can be simple, involving documents such as a trust and power of attorney, or can be a more complex process for those who have many assets. Our team is well-qualified to help with simple estate plans, as well as the most advanced strategies for wealth preservation.

When a person passes away, it can take many months, or even years, for probate to complete. During that period, your loved ones can struggle to make ends meet, or may face a large, unmanageable tax burden. Advanced planning can allow your loved ones to gain access to the funds they need, helping them avoid financial stress and tax problems.

Your will establishes how you choose to pass on the wealth and property you have gained over your lifetime. A “living trust” also allows you to name your beneficiaries – but makes it possible to keep some or all of your assets out of the probate process, transferring them as you direct. However, a will is also important in many cases, particularly for young families who want to ensure that a guardian is named for their children should they suddenly pass away. There are many, many types of trusts, from simple living trusts, to family trusts, generation-skipping trusts, life insurance trusts, and others. Any estate plan should be crafted to provide the most protection and the best outcome for your chosen heirs – and at Timeless, we work diligently to craft the most effective estate plan for your individual situation.