Community One Financial and it's owners Jeff Garman and Rob Sylvia have always taken pride in the FHA Loan Programs. After seven years and over ten thousand loans later, our Company has become a leading force in FHA lending in over 10 states. Our approach to homeownership and home refinancing is simple. We believe in a solid and honest loan.

In the last several years the sub prime market has taken over our nations homes and unfortunately has spun our current housing market out of control. One reason (of many) why brokers pushed sub prime loans was because the borrower who qualified for an FHA loan couldn't get that loan with a broker. Why? Because it also takes an enormous amount of effort for a mortgage broker to become an FHA-approved lender.

Communtiy One Financial has done all of this, such as annual HUD audits, net worth requirements, submitting audited financial statements, presenting a quality control and compliance plan, and paying our loan originators as W-2 employees. Many brokers pay LOs as 1099 workers. For some small to medium sized broker firms, it was a business decision: make more money selling subprime and leave the hassle of originating FHA loans to the banks. "See ya, wouldn't want to be ya" was the motto. Not us, Community One Financial's motto was always to help the customer by putting them in a good loan that they can afford and that is why we chose to go through all of the HUD requirements to make it possible for our clients to get those loans.

During the sub prime heyday, we were putting our clients in insured FHA loans that 99% of them are still in today. Our focus is you the homebuyer and homeowner. Once you go into our system, whether doing our signature product "The streamline refinance" or getting your first FHA loan, we stay with you through up to date information on our site and through e-mail and make sure your biggest asset stays your biggest asset. If rates drop, you'll know about it, if a new and exciting products comes on line, you'll know about it.

Bottom line, we are your lenders for life. Thank you for letting us serve you and enjoy your new FHA loan.

 

Disclaimer- Community One Financial is a private mortgage company specializing in FHA Home Loans and is not owned or operated by the federal government or HUD/FHA.

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