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In the market for a home mortgage? Choosing a mortgage can be a daunting task. Potential home owners should make sure to choose the mortgage that is the best fit for their current needs and future plans. Apply online to contact a home mortgage expert.

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Here are some terms you will need to understand while shopping for a home mortgage:

  • Fixed rate mortgage – this type of mortgage has a fixed interest rate as well as a fixed term, meaning that the rate, term and monthly balance are set at the beginning of the loan and do not change through out.
  • Adjustable rate mortgages (ARMs) – have more lenient credit and income requirements, but the interest rates rise and fall with the market, so the owner could end up paying more or less than initially anticipated.
  • FHA loan – a mortgage or loan that is insured by the federal government through the Department of Housing and Urban Development. This insurance allows lenders to lend more to less qualified applicants with lower interest rates and low down payments.
  • Veterans Administration (VA) loan – like the FHA loan this mortgage is insured through the federal government for qualified applicants who served in the military. These loans are especially appealing as they require little or nothing down.
  • Conventional loans – loans from private lenders that are not insured by the federal government.
  • Home Construction loan – funds the land, labor, materials and permanent financing for home buyers who are building a home.

Fixed Rates Adjustable Rate Mortgages (ARM) were more popular a few years ago than they are today. Today interest rates are at rock bottom and most home buyers are interested in locking in at a low rate. In acquiring a mortgage loan you can expect two payments. One is the interest rates you will pay over the life of the loan, and the other is points you pay up front to reduce this interest rate. Points are typically one percent of the loan amount. The lower the interest rate, the higher the points you pay. Remember the interest you pay is amortized and tax deductable. Your first payment will be the same amount as the last (assuming you don’t refinance) and your money paid towards interest is tax deductable. To learn more and speak with a mortgage broker, fill out our online questionnaire. A broker in your area will contact you promptly and start the process of qualifying for a mortgage loan.

After choosing the loan that best suits your needs and income, it is time to find the lender that can give you the best contract. Fill out our short form to contact up to four home mortgage lenders.


4 Loan Offers – One Application
  • Expert lenders compete for your busines with low rates and great loan terms
  • Poor to Excellent credit borrowers welcome – low rate mortgage loans
  • No mandatory credit check – let only the lender you choose check your credit
  • Free evaluation of your borrowing options in a no obligation setting
  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

  Loan Information
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   Want cash and a lower interest rate or monthly payment?
   Refinance again or for the first time and get cash back!
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If you are thinking of getting a home mortgage now is a great time. We offer fixed rate mortgages, adjustable rate mortgages, fha loans, va loans, contentional loans and home construction loans to individuals with the full range of credit history from terrible to perfect… A VA Home loan is a unique opportunity for American veterans to get a home loan with lower closing costs and interest rates. There are no prepayment penalties and no monthly mortgage premiums to be paid. The ceiling value for the mortgage is $240,000.. Loan calculators are free tools that will let you determine your monthly payment on a new loan. You can also print an amortization table to see your payments over the entire life of the loan broken down into interest and principal…
Refinancing your home starts with shopping around for the best rate you can get given your income, credit history, and desires for your loan. Expo Financial supplies as many as four free quotes with one simple form… If you would like to see the precise amount of interest and principal paid on your loan each month you need to refer to an amortization table. An amortization will show you exactly how much principal is paid down on your loan and also the portion taken out for interest…

Debt Consolidation is popular method of eliminating high interest debts and reducing the number of bills you have to pay. Debt consolidations can also get you much needed cash out at the time of the financing…

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