We Are Brokers: What this means is that we are not confined to one companies rates and services. We have access to numerous lending institutions and can shop for the best fit based on your needs, the type of loan desired, and the total loan amount. At the end of the day this means you have options based on your situation.

Client For Life Program: FLEX Loan Services, llc strives to be your mortgage lender for life. With our "Client for Life and Rate Watch" program we monitor your loan for the life of the loan. We will track rates and continually evaluate your mortgage, making sure you have the best program available to meet your financial needs. If we can get you a better rate and better loan based on your situation, we'll do it for absolutely no money out of pocket.

Established Relationships: Much of lending and being successful for our clients is based on the relationships we have established with other lending institutions and professionals over the past 10 plus years. Because our ultimate goal is to always better your financial situation, regardless if we get your business or not, we can almost always in most situations assist in some manner. Either by personally assisting with your loan needs, recommending steps necessary to improve your situation, or putting you in touch with a person or institution who can help. Just another way we are "Lending By Example."

Becoming a homeowner can be one of the most exciting times in your life. Home ownership is a rewarding privilege that can significantly help in your long term financial strength. While there are many benefits to owning, you should always carefully evaluate the affordability so you are not to get in over your head, and make smart financial decisions. When you work with a FLEX Loan Professional they will carefully evaluate your current situation and make sound, educated recommendations on how much home you can afford, what type of loan you qualify for (va, fha, 30 year fixed, etc.), and what your credit situation is.

At FLEX Loan Services, llc, we are interested in being part of the solution for financial security, and therefore we do not sell high risk loans to first time home buyers or individuals with limited financial resources.

If you are interested in purchasing a residential or commercial property please contact us today for an individual consultation on what loan programs will best suit your individual situation. Please call us today at 970.669.FLEX (3539).

Currently rates are at historic record low's in an attempt to help the market recover. If you are currently a home owner and have not refinanced in the last year, we strongly recommend you contacting FLEX Loan Services for a free loan consultation. No gimmicks, and no strings attached. Just honest input and advice of where your current loan sits, what your options are, and how we can help.

If you are interested in refinancing a residential or commercial property please contact us today for an individual consultation on what loan programs will best suit your individual situation. Please call us today at 970.669.FLEX (3539).

If you are in the market for credit, a home equity plan is one of several options that might be right for you. Before making a decision, however, you should weigh carefully the costs of a home equity line against the benefits. If you decide this is what you want, FLEX will shop for the credit terms that best meet your borrowing needs without posing undue financial risks. And remember, failure to repay the amounts you've borrowed, plus interest, could mean the loss of your home.

What is a home equity line of credit? A home equity line of credit is a form of revolving credit in which your home serves as collateral. Because a home often is a consumer's most valuable asset, many homeowners use home equity credit lines only for major items, such as education, home improvements, or medical bills, and choose not to use them for day-to-day expenses.

With a home equity line, you will be approved for a specific amount of credit. Many lenders set the credit limit on a home equity line by taking a percentage (say, 75%) of the home's appraised value and subtracting from that the balance owed on the existing mortgage.

If used properly, HELOC'S (as they are commonly referred to) can be a very effective way to gain access to a large line of credit.

If you are interested in learning more about a Home Equity Line of Credit, please contact us today for an individual consultation on what loan programs will best suit your individual situation. Please call us today at 970.669.FLEX (3539).

At FLEX Loan Services, llc, we understand the unique situations many small business owners and property investors face. FLEX has the expertise and lending relationships that enable us to offer our clients alternatives beyond bank financing and other traditional mortgage avenues.

Our Commercial Lending Specialists have access to hundreds of loan programs and the expertise and perseverance to find the right deal for your situation

Whether you are looking for property to expand, needing to refinance business expenses, or considering commercial property as an investment vehicles, started with FLEX as your loan resource center.

Regardless of your circumstances, feel free to contact FLEX today for honest, straightforward, and timely information. 970.663.FLEX (3539)

If you ever thought about buying a home, but decided that it was too big of financial gamble, think again. It's possible you haven't considered the risk of not buying a home. For the majority of working people, home ownership is the single most reliable way to achieve financial security, if done properly. There currently offer many programs geared towards first time home buyers and would welcome the opportunity to provide a free consultation of your situation and what you could qualify for.

For more information on the loan process and what actually takes place in each step, please read the following. Remember, we are here 24/7 to assist with any questions you have and we always recommend sitting down with a mortgage broker long before looking at properties. We can significantly help your home shopping pro9cess by getting you pre-qualified on what you can afford first.

We recommend doing the following:

Step1 - GET ORGANIZED

If you are buying or refinancing you’ll want to provide the following:

• Salaried workers please provide two years W-2s and one month of pay stubs OR if you are self-employed please provide two years tax returns and a YTD profit loss statement.
• If you own rental property, please provide rental agreements and two years tax returns.
• If you wish to speed up the approval process, please also provide three months bank statements for each bank, stock and mutual fund account.
• Provide recent copies of any stock brokerage or IRA/401K accounts that you may have.
• If you are requesting a cash out refinance please provide a letter of explanation for the proceeds. Provide a copy of divorce decree if applicable.
• NON US citizens please provide us with a copy of your green card (front & back), or if you are NOT a permanent resident provide us with your H-1 or L-1 Visa.

Step 2 - GET QUALIFIED

If you are in the market to purchase a home you’ll want to get Qualified or Approved before you apply for the actual loan. By doing so you can determine how much you will be eligible to borrow, and know the price ranges of homes to shop for.

It’s important that you know the differences between Pre-Qualified and Pre-Approved:

• Pre-Qualified means taking general information given by you to determine an estimated amount you can borrow. This typically can be done very quickly.
• Pre-Approved means that you have given consent to check credit, and income history, along with assets and liabilities. It is much more beneficial to get pre-approval then a pre-qualification.
• By getting Pre-Approved first, it will help to determine:

Step 3 - SHOP LOAN PROGRAMS AND RATES

There are many variables to take into consideration when looking for the right loan program. Things such as length of the loan, years you plan to stay in the home, if it’s your first home purchase, etc. All of these reasons, and many more, is why it extremely beneficial to consult with an experienced Loan Officer at FLEX Loan Services. With the abundance of programs available a FLEX Loan Specialist can get you on the right track with the right loan program, and save you a lot of money in the long run!

Step 4 - LOAN APPROVAL

Once we receive your loan application we will start the loan approval process immediately by verifying the following:

• Credit history
• Employment history
• Assets including your bank accounts, stocks, mutual fund and retirement accounts
• Property value Additional documents may be required based on your specific situation.

Step 5- CLOSE THE LOAN

After your loan is approved, you will be required to sign the final loan documents. This will normally take place in front of a notary public. Be prepared to:

• Bring a cashiers check, made out to yourself, for your down payment and closing costs if required. Personal checks are normally not accepted.
• Verify the loan documents are correct. Make sure that the interest rate and loan terms are what you were promised. Also, verify that the name and address on the loan documents are accurate.
• Sign the loan documents. Normally your loan will close shortly after you have signed the proper papers!

MAJOR DO'S AND DON'TS

Do:

• Fill out the loan application completely.
• Respond promptly to any requests for additional documents. This is especially critical if your rate is locked or if you plan to close by a certain date

Don’t

• Until your loan has been closed do not make any major purchases what so ever. For example, the day after you fill out your application do not go and purchase a new car. Anything that causes your debts to increase might have an adverse affect on your current application
• Do not move money into your bank accounts unless it can be traced. If you are receiving money from friends, family or other relatives, please contact us.
• Do not go out of town around the closing date. If you do plan to be out of town when your loan is expected to close, you may sign a power of attorney, to authorize another individual to sign on your behalf.