• Equity Management
  January Financial is one of the premier providers of equity management services for our clients. We can show you why it makes sense to get the biggest mortgage you can afford and how to build wealth at an accelerated pace. A home mortgage should be integrated into one's complete financial plan and used as a tool, not seen as something one wants to get rid of as soon as possible. Click here for testimonials and endorsements from actual satisfied clients.
  
  
• Residential
  We offer a full range of mortgage products for both A-paper and subprime clients. Some of the more popular products are PayOption ARMs (also called Neg. Am. loans), traditional ARMs (from 1-year all the way to 10-year fixed periods), 30-Year Fixed loans, 40-Year Fixed loans, as well as an Interest-Only option on all of the above. Click here for articles and more information.
  
  
• Reverse Mortgages
  We can provide reserve mortgages for clients aged 62 and up. This is an innovative product which allows you to convert your home equity into one or more payments while retaining ownership of your home and avoiding monthly payments. Repayment of the loan is deferred until you are no longer living in your home. For more information, click here.
  
  
• Commercial
  We can provide commercial loans for a wide variety of properties, including apartment buildings, office buildings, gas stations, motels, 5+ unit residential properties, and warehouse/industrial space. In some cases, we can partner with the SBA (Small Business Administration) to go to 90% LTV, meaning you would only have to come up with 10% down!
  
  
• Land/Development
  We provide raw land and development/construction financing for a variety of projects. We can go as high as 90% LTV on raw land, meaning you would only have to come up with 10% down, and as high as 100% on certain construction loans!
  
  

For more information on any of these products or to apply, please click here!

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