We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending.
Get to know Andrew Warren
Direct Access was founded on the belief that service and professionalism with our customers is our #1 goal. With our experience in residential and commercial mortgage lending we strive to maintain the highest respect for our clients needs.Through your entire loan process, the professional staff at Direct Access anticipates and handles every aspect of the lending experience to leave you with the peace of mind that there will not be any surprises. Customer service, timely communications, attention to detail, and just plain hard work are the real keys to success in real estate lending.OUR MISSION STATEMENTThe mission of Direct Access is to enter into a lifetime real estate financing partnership with our clients. We will provide our partner-clients with the best available real estate financing information, guidelines, strategies, and loan products necessary to achieve the goal of home ownership. By providing this service and exceeding our partner-clients' expectations, we will forge a permanent bond as your lifetime real estate financing partner. Direct Access will be the referral source for your real estate financing needs for your friends, family, customers, and business associates.GOOD CREDIT** BAD CREDIT** NO PROBLEMWe offer residential and commercial loans for all situations and types of credit history; good or bad. The following are examples of the type of loan programs we offer:* Purchase or refinance of your home* Purchase or refinance of investment property* Purchase or refinance of your commercial property* Debt consolidation loans* Home improvement loans* Second mortgage loans* Home equity lines of credit* Cash-out refinance* 125% loan to value loans
Andrew Warren's Blog Posts
A, Alt-A, Subprime, Hard Money, Private Money, Jumbo, 80/20, Pick-A-Payment, Investment, Investors, FSBO, First Time Home Buyers, Lease option, CommercialFIXED RATE PROGRAMSSome people just like certainty in their life. And though you can't count on the weather, you can count on a fixed rate home loan. It will have the same interest rate for the entire life of your loan.ADJUSTABLE RATE MORTGAGE PROGRAM (ARM)ARM's are attractive because they offer start rates that are lower than the interest of fixed rate home loans. This typically enables you to begin with lower monthly payments and qualify for a larger loan.ZERO DOWNPAYMENT PROGRAMIdeal for first-time buyers, these no-downpayment mortgages can help reduce or eliminate nearly every cost associated with obtaining a home loan.IMPERFECT CREDIT PROGRAMSAllows borrowers with less-than-perfect credit to qualify for purchasing or refinancing a home.NO INCOME VERIFICATION PROGRAMSAllows customers to simply state their annual income without the burden of income verification.125% EQUITY PROGRAMSAllows customers to borrow up to 125% of the value of their home. This program allows you to borrow money for home improvements, debt consolidation, college tuition, starting a new business or anything you may want.Money invested through a mortgage broker is not guaranteed to earn any interest or return and is not insured. Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $333,700 with closing costs of $6,674. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $333,701 with closing costs of $6,674. Your actual APR may be different depending upon these factors.