$company_name has a wide range of loan programs that are competitively priced. Using the latest technology, we have made the borrowing process simple and convenient. As a direct lender, we can offer you a competitive rate and eliminate fees associated with a loan arranged through a broker. Our commitment is to provide top quality service.Our commitment is to provide top quality service. Our loan consultants have a full range of loan programs to offer, and the very latest technology to expedite the loan process. They will listen to your needs, and make sure they understand you completely, before discussing your options and making sure you thoroughly understand them. From application through funding, we make the loan process simple and convenient . . . for you![Back to top]
This is what our personal service is all about . . . helping you make the best loan choice for your specific needs. Our loan consultants are experienced professionals with knowledge covering a wide range of home loan programs. Each consultant is able to explain the advantages of appropriate loan programs, considering the specific financial goals of the customer. Generally picking the right home loan is about selecting the length of time the applicant believes they will stay in the home, coupled with their ability to support larger payments in years to come.$company_name offers programs for consumers whose credit has been impaired in the past. Generally a couple of late consumer credit items are not going to impact applicants from getting approved. The most serious credit issues can be resolved with 24 months of ensuring payments are made on time. The most serious credit issues include mortgage payments more than 30 days past due, foreclosures and bankruptcies. If you have a history of bankruptcy, late payments or other credit problems, we are here to help you determine possible financing options.Equity is the difference between the amount for which a home can be sold and the amount still owed on the mortgage. This important difference represents the homeowner's financial interest in the property. A homeowner can borrow against the equity in his/her home with a home loan and use the funds for virtually any purpose . . . from debt consolidation to major purchases to home improvements. Because the loan is mortgage-based, interest on the home loan may also be tax deductible. Consult your tax advisor to see whether this advantage applies to you!A fixed rate mortgage provides a rate of interest that remains the same for the life of the loan. An adjustable (or variable) rate mortgage (ARM) has an interest rate that adjusts periodically on the basis of change in a specified financial index. Typically, adjustable rate mortgages start out at somewhat lower rates than fixed rate mortgages. They can fluctuate up, raising the monthly payment, or down, lowering the monthly payment, depending on the activity of the index to which they are tied. Our loan consultants can discuss the advantages of both types of mortgages to help you decide which product is best for you.Does it make sense to refinance if I recently obtained a home loan?It might be a good time to refinance even if you recently obtained a mortgage. Given today's favorable interest rates, a rate lower than the one on your current mortgage may be available and can result in savings every month. Consolidating your existing first and second mortgages, as well as outstanding credit card balances and other debt, into a single home loan payment might save you a considerable amount monthly. You will also benefit from the convenience of one single monthly payment by consolidation of your debts. Our loan consultants can help you determine if this option works to your best advantage!How much you can afford depends entirely on your specific personal financial situation. Our loan consultants can help you find out exactly what that amount may be. Generally, a homeowner should plan that 28 to 36 percent of their gross income can be used for housing payments. In some circumstances up to 41% or more can be approved. For a quick estimate, use the Loan Calculator conveniently located on our website.These three letters stand for Annual Percentage Rate, that is the total yearly cost in interest, as a percentage of the loan amount. This figure includes such items as the base interest rate, primary mortgage insurance and the loan origination fee (points). For more information, see our APR Information page.
Our lenders offer home loans with down payments as low as 2.25%. That would be a $2,250 down payment for a $100,000 purchase price. If you’re a Veteran, this could be even lower!
Security is a very high priority for $company_name. We ensure that all personal and confidential information is transmitted and stored through an encrypted process. For more information please read About Our Security.$company_name may share your data as noted in our Privacy Statement. Please see our Privacy Statement for more details.Please e-mail $company_email with all of your questions or call us at $company_phone and a representative will follow up with you.
