Residential Loans

Home Loans, FHA Loans, VA Loans, Reverse Mortgages and Refinance of Current Home Loan


At Custom Financial Services, we believe in options.  We believe that you don’t need to accept less than you deserve when it comes to choosing your home loan.  We know you need help navigating the complex and ever-changing loan market.  That’s why we’re here.  To find the perfect loan for you.

Over 60 years of combined experience in the loan business gives us the knowledge it takes to get you the loan you need.  Lenders are a dime a dozen, and trying to decipher the red-tape around your alone can be a daunting task.  Let us find the best option for you, your lifestyle and your legacy. 

 FHA Loans 

Federal Housing Administration loans are available to all borrowers and are guaranteed by the government. The mortgage itself is issued by traditional lenders, but the government insures the loan. Lending requirements are therefor less stringent and down payments can be much lower.  FHA loans sometimes allow a higher debt-to-income ratio than conventional mortgages, but the actual number will depend on the lender you’re working with.

VA Loans

Veterans Administration loans and are loans that are only offered to qualifying veterans and surviving spouses. These loans are guaranteed by the government.  A VA loan offers several advantages to borrowers who qualify, such refinancing at lower interest rates depending on the market.  Cash-out refinance options are also available to VA loan borrowers who meet certain requirements.  Income restrictions do not apply, and VA loans do not require a down payment or PMI, which makes the VA loan an ideal option for home buyers of limited income with little savings and with average or lower credit scores.

Call us today to get started on the perfect loan for you.


Borrowers refinance for a myriad of reasons.  Refinancing your loan is always the best option if your current loan has become to risky to live with.  But refinancing options are as varied as the borrowers who need them.  Make sure you are in good hands by choosing Custom Financial Services to help you refinance your loan.  Pay less interest over time, assume less risk, and hang onto more of your hard earned wealth by letting us find the best refinancing option for you.

Reverse Mortgage

You’ve worked hard over the years to afford your home and the lifestyle that comes with it.  Let the equity in your home start working for you.  Custom Financial Services can help you convert part of the equity in your home into cash by finding you the reverse mortgage that is right for you.  If you are 62 or older, we can help you utilize the hard earned money you’ve put into your home and turn into a means to supplement your financial means in the years to come.  Let us help make the next chapter of your life more comfortable.  Call for a free consultation today.