Heath Lefort is the Best Kept Secret in Town. Heath Lefort formally from Fleet Boston Financial now Bank of America running their mortgage operation from 1995-2002 has 13yrs of overall experience in mortgage consulting. Heath Lefort has a BA in Finance and Economics from St. John's University, Queens NY.  Heath educates his clients on how mortgage debt truly works within the clients personal balance sheet and in the United States financial system. Heath will teach how strong savings/asset disciplines can ultimately outpace the mortgage debt allowing his clients to build wealth over their full life. Heath finds it important to educate his clients on how the Federal Reserve Bank originated and operates today. Heath is now offering a FREE interest rate reduction with NO CLOSING COSTS! (We beat the large banks and mortgage broker's) FHA STREAMLINE WITH NO CLOSING COSTS!NO APPRAISAL, NO INCOME, NO ASSET Verification  & NO Credit Score NEEDED!* *If you have a current FHA mortgage and have made 6 mortgage payments on time you qualify for the above program! Heath is NOW offering buyer representation in today's complex real estate market! See the "buyer representation" button on the left of the website to learn more about this great offer! Heath Lefort specializes in Personal Financial Services which include: Credit Repair, Personal Mortgage Consulting for Conventional, Non-Conventional, FHA (103% financing), VA (100% financing), and Commercial financing. We also offer Insurance products, Tax Preparation, Car loans, personal loans, and College tuition savings programs with our affinity partners.   Heath Lefort specializes in the FHA and VA product allowing his clients to receive better rates than the Subprime product offering! Heath Lefort and Fairway Independent are a Direct Endorsement (DE) FHA Lender ! (Check's Heath Lefort's BIO @ the "Staff Profile" button) Heath Lefort has evaluated 241,829 transactions in his 13yrs. Fairway Independent Mortgage is one of the largest Correspondents Lenders in the country and can offer better rates and programs than banks because we do not hedge our interest rates before giving the rate to the client! We work with investors directly from Wall Street! Check out our rates by going to the rate button on the top of the website!   Mortgage or rental late payments Open collections, judgments or tax liens Late payments on revolving or installment debt Recent bankruptcy or foreclosure High debt ratios Imperfect Credit? Not a problem at the Alternative Lending Division ! Had a setback? Looking to reestablish your credit? Alternative Lending Group can help you restore your credit in less than 45 days!  Heath Lefort is a credit expert in his industry.  WE NOW OFFER COLLEGE FUNDING STRATEGIES allowing you to save a bundle on college tuition!!* * See the "College Funding Solutions" button fo services offered We lend in ALL STATES except: Delaware, D.C., Hawaii, Kentucky, Nevada, New Jersey, North Dakota, Vermont, and West Virginia. Alternative Income products include: No Doc, Stated Doc, SISA, No Ratio; NINA; Blended Doc, and much more! Commercial Financing: Apartment, SBA, Mixed Use, Investment Properties, Land, Construction, Bridge, and much more!! Imperfect Credit? Not a problem at Alternative Lending Group! Call TOLL FREE 1-800-900-1241 ext. 0 or apply online @ www.alternativelendinggroup.com.          Equal Housing Opportunity Lender AK , AL Consumer Loan License No. MC4965, MC 15079, CA- Department of Real Estate License No. 01391174 , MA Mortgage and Lender #MC2840, NH-FNE Mortgage #11629-MB, CT Mortgage #16122, ME Mortgage #SLB7825, RI Mortgage #20052004LL B01, FL Mortgage #ML0700792