About Us

Flagship Financial Group, LLC, a Mortgage Brokerage

Why use a mortgage brokerage? As a broker we get to pick and choose which lender and which underwriter is best suited to our client’s situation. This gives us ultimate flexibility and a greater opportunity for loan approval. We can choose from all major lending institutions. Because we are a quality partner with these institutions we get special treatment in pricing and service. As a mortgage brokerage we do not need a bailout because we are free from liabilities lenders have assumed. Out business model provides the stability and flexibility needed to close more transactions.

Experience in Government Loan Programs

Our business model, company culture , and focus has been government loan originations since 2001. As the current trend towards government lending continues, currently 80% of the market, we will be the best source for government (F.H.A., V.A., U.S.D.A.) loan originations. We understand how these transactions need to be structured to get underwriting approval.

Organizational Advantage (our people)

We believe we have the best and most qualified staff in the business. In addition to quality people, we have technology allowing us to track and mange each loan transaction’s progress form start to finish. All tasks have been automated to free your loan officer so they can focus on the hurdles and details of closing your transaction providing you peace of mind.

Down Payment Assistance Programs (D.P.A.)

The biggest challenge today’s homebuyer faces is coming up with a down payment. Flagship Financial Group LLC has developed relationships with government entities and other agencies that provide down payments (as well as reduced down payment requirements). We understand how to effectively provide a scenario that works for today’s buyer.

Multi-State Licensing

Holding licenses in may states provides many advantages. When one market is not productive we can focus on other markets. This grants us flexibility and the ability to remain profitable in turbulent times. Therefore, you can count on our stability and plan for a long-term relationship.

Mortgage Banking Option

We offer mortgage banking when it is an advantage to our client. We enjoy an exceptional relationship with our in-house underwriting staff. The advantage of this relationship to you is we have in-depth knowledge of program underwriting expectations which allows us to gather necessary documentation on the front-end of the transaction which enhances our ability to put together loan packages that present the borrower in the best light which accurately reflecting the borrower’s condition and situation. You also benefit from this relationship in that we approve and close loans quickly with the best rate possible. In today’s turbulent market, you also gain an advantage with reliable approvals and underwriting - actions you can count on to ensure the closure of your loan.

Niche Loan Programs (Loan to Value):

• VA 100%
• FHA 96.5%
• Conventional 95%
• Non-Warrantable Condos 80%
• Foreign National (Canadians 2^nd homes only ) 60%

Other Options:

• Down payment assistance options
• 4+ properties financed
• Low jumbo rates (loan amounts greater than $417,000)
• Portfolio lending (flexibility)
• Lock interest rate before having a property