About Us

At Credence, we treat each customer as an individual, not a number. We don’t place you into a loan profile formula created by the banking industry. We use “common sense” and will help you obtain the best loan possible. We represent a wide range of lenders, from rated with first quality rates to private “hardship” lenders.

Credence was founded on the premise that a small nimble lender could get access to lower rates than brokers or banks. We are expert at getting you the best rates on all types of loan programs including: 30yr, 20yr, 15yr and 10yr mortgages, 1yr, 3yr and 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we will fit your needs!

VA IRRRL

The VA Interest Rate Reduction Refinance Loan, or VA IRRRL shifts your VA mortgage balance to a loan with a lower interest rate. A fast, easy application process and low costs make this an attractive refinancing strategy for qualifying veterans. If you have a VA mortgage at a higher rate than current offering, the IRRRL VA program could lower your payments and save you a lot of money.

FHA Streamline Refinance

The Federal Housing Administration (FHA) Streamline program allows FHA loan holders to take advantage of dips in the interest rate market by letting them streamline to a lower market rate. The word streamline refers to the reduced amount of documentation involved. Additionally, there is no appraisal, no income or asset information needed. The process can take as little as 14 days to complete.