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Mortgage Loans

A home is the largest purchase that most of us will make during the course of our lives, and often, it is one of the most important. This makes choosing the mortgage loan that covers the cost of this house one of your most important decisions as well. Since there are many types of mortgage loans, you should be able to find one that suits you.

Find the loan that fits you today. Apply online to contact up to four lenders about your mortgage loan.

  • A construction loan covers the cost of the materials, labor and land needed to build a new home, giving you the opportunity customize your new home.
  • An FHA loan is insured by the Federal Housing Administration which is a part of the Department of Housing and Urban Development in effort to provide families with low income mortgages that require only very low down payments. The FHA also has special low interest, low down payment loans available for teachers and police officers.
  • A VA loan is insured by the Veterans Administration and provides a low interest low with no required down payment. A VA insured loan is available if you have served in the military.
  • An adjustable rate mortgage has an interest rate that changes with a predetermined index. This means that the interest rate will most likely change over the life of the loan, and that monthly payments will not remain the same from one period to the next. These periods between rate adjustments can be as long as five years or as short as one year. The disadvantage with an adjustable rate is obvious: you can not predict how the index with fluctuate and rates could rise, but adjustable rate loans come along with a rate cap to keep your rate from going too high. Also, adjustable rates usually come with an low introductory rate, and if rates were to drop, someone with an adjustable rate could end up paying less than someone with a fixed rate. An adjustable rate is also good if you plan on moving five to seven years after buying the house.

     


      Home Lending Services
    • 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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    Mortgages : Mortgage Loans : Home Loans

      Loan Information
      (Application fields change with Loan Type selection)
       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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      Announcements? Yes No thanks
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    Yes
    Yes – Free, No Obligation Debt Consolidation Quote

    Mobile Home / Manufactured Home Refinancing – must apply here instead
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      Home Lending Resources
    Mortgage loans have all levels of advertised rates but you will have no clue what your credit and income can afford you for a house until you consult a mortgage professional to get you an idea. It takes careful planning with your real estate agent to pick a mortgage loan that covers your costs… Extra monthly payments are a great way to cut down your loan term. Using our free mortgage amortization calculator you can see how these extra payments affect the amount of interest paid over the life of your loan… A mortgage amortization schedule will break down your monthly payments on a mortgage loan into interest and principal paid each month. Over time you will pay less interest and build more equity in your home with each monthly payment…
    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.. Mortgages calculator tools are a free service provided by our web site to help you get comfortable with your borrowing options before and after speaking with a qualified mortgage professional. Feel free to ask any questions you have about the loan process…

    Mortgage rate trends have been interesting to follow in the past few years as rates continue to drop and remain at low levels. Home equity loans are especially popular because of low fixed rates of interest available…

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