Products

• 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 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!
  
  
• Debt Settlement
  We are the experts in helping people escape from the burden of overwhelming debt, and are dedicated to finding an ethical resolution to your debt problems. We refuse to allow creditors to take unfair advantage of our clients, using scare tactics to bully you into bad decisions. We settle debts for fair amounts - often well below 50% of what you owe, and at payments that allow you to get back on track with the day-to-day cost of living. Some factors that contribute to the problem of overwhelming debt are the new bankruptcy laws, mortgage credit crunch, loss of employment, declining home values, illness, injury, or any catastrophic event resulting in financial crisis. Because of our reputation for ethical debt settlement, creditors trust us to find the best means to a resolution. We will educate you during our orientation, and can help you for years to come. You will know that you have us on your side.
  
  
• Credit Services
  Many credit repair companies never do the work they promise or simply provide letters to credit bureaus stating the accounts on the bureau do not belong to you – which is not the case 9 times out of 10. Therefore, all the creditor has to do is show proof the account belongs to you in order to keep the negative account on the bureau. We are a group of industry experts licensed and bonded in Credit Services. You will receive the benefit of our knowledge and experience. We have designed letters that work with the law to challenge the accuracy and verifiability of specific aspects of a credit file. We can legally reduce or completely eliminate a creditor’s ability to “verify” the “accuracy” of a specific credit file. Thus, their only choice is to remove the file from your credit reports. When a negative credit file can not be “verified” or is not 100% “accurate”, then it must be removed from the bureaus at the consumer’s request per the Fair Credit Reporting Act. Our experience in lending and credit management allows us to know exactly what a lender can and cannot verify and therefore our letters are more effective and the credit scores can be improved dramatically in a shorter period of time.