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Mortgage Lending

Mortgage lending services have been at a premium in the past five years because of lowering interest rates that spawned a refinancing craze. At one point, major mortgage brokerages confessed they were having trouble hiring enough mortgage brokers to take on more clients. The average time for a loan process that fires without a hitch is 30 – 45 days. Often times the loan process takes far longer and requires far too many signatures in a half hour long process you will participate in with your broker, your real estate agent and your cosigner.

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A time consuming aspect of mortgage lending that is often overlooked is the underwriting process. The underwriting of the loan works in conjunction with your loan officer (mortgage broker) to ensure that the loan meets all of the required criteria. Often times before approving the loan, the underwriter will contact your mortgage broker and tell he / she to get additional information from you. Additional information requested by underwriters typically includes additional proof of your income or overall financial status to ensure that you qualify. Other times underwriters will look to the actual home inspection papers and mandate repairs that must be made before the house is moved into. The underwriter’s job is to thoroughly investigate the loan to make sure it meets the required criteria. For example, if your home inspection reveals that you have above average traces of Radon in your basement, you will be required to install a Radon mitigation system to ensure that the home is safe. This makes sense because if the home was to become unlivable it is less likely that the borrower will repay and the underwriters job would have been all for not.

Mortgage lending is a competitive field because larger institutions often have the most streamlined processes to get loans done quickly and without catches. However many of these large firms are overwhelmed in today’s market and you may be happier with the patient personal service of a smaller local mortgage broker. By filling out our free application you will receive as many as four no obligation mortgage quotes from competing brokers.

Mortgage lending services exist because firms are much better at dealing with the details of the loan process than individuals are. Because most people only purchase a few, or maybe even one mortgage loan, they have little experience with the finer points of the process. Mortgage brokers handling loans day in day out can better inform you of your options and help you make a better decision than you likely would on your own. Using their years of experience in mortgage lending, mortgage brokers can find a loan that fits your need and arrange the best possible rate they can get with the bank.

 


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  Need Cash? Considering a Home Equity Loan? Why not get cash out from your equity and refinance in one process. Select ‘Refinance’ on the application and specify your ‘Cash-Out’.
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Refinancing Mobile Home / Manufactured Home Refinancing

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  Home Lending Resources
Mortgage lending is a process in which a mortgage broker find a loan that fits your needs and then passes it through an underwriter who confirms that all of the qualifications are met. Often times this is a time consuming process… The housing market has a great deal to do with mortgage rate trends that occur over time. At a time like now home buying is popular because rates are at lows that have not been seen even since the 80’s.. Loan amortization is something that can be viewed visually in the form of a graph. However, the picture is simple. With every month in which payments are made the amount of interest paid decreases and the amount of principal paid increases…
An amortization chart can show you the entire list of payments you will make over the life of a loan in a printer friendly form. On an amortization chart you will see your payments broken down into principal and interest paid each month… Amortization table calculations are simply tables of your loan payments broken down into interest and principal. A good calculator will also show you the effect on interest and principal of making additional monthly payments to pay down your loan…

VA Home loans are a blessing for former military families looking to get a mortgage. A VA Home loan can often be obtained with no money down and limited closing costs and very low mortgage interest rates…

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