|
|
|
In residential mortgages we offer home loans to those with all levels of credit. Borrower's applications are automatically forwarded to the lender most likely to approve the loan. We have closed loans with over 40 different lenders and have contacts with which to close those difficult loans. One of our most popular loans is the "nothing down" mortgage. We offer these to folks with credit scores as low as 560. Also available are interest only loans for those who want the lowest possible house payment. Home equity loans are available.Yes, we have those firsttime home buyer loans. Be sure to click here to fill out our online application Shown below are links to many one page discussions covering the topics borrowers frequently ask questions about. Included are 10 different mortgage calculators to help you with a wide variety of calculations. Just click on your area of interest.
| Mortgage Library
Welcome to our Mortgage Library. Inside you will find many articles spanning a number of comprehensive sections. Please select a section below to begin your research of that topic. |
|
|
Application (7 articles)
- Total Mortgage Payment
- Choosing a Mortgage Company
- Two Key Factors in Qualifying
- Speed Up the Mortgage Process
- Escrow Account Basics
- Mortgage Dictionary
- Economic Terms
Appraisals (6 articles)
- Appraisal Basics
- Appraisal Methods
- Appraisal Needed to Obtain a Loan
- Appraisal Needed to Determine a Home's Market Value
- Other Reasons to Order an Appraisal
- Helping the Appraiser
Bankruptcy (9 articles)
- Alternatives to Filing Bankruptcy
- How to Avoid Foreclosure
- Chapter 7 Bankruptcy
- Bankruptcy and My Bills
- Bankruptcy and Bill Collectors
- Your Property and your Assets
- Your House and Car
- About the Bankruptcy Process
- Bankruptcy Questions & Answers
Calculators (10 articles)
- Fixed Rate Mortgage Payment Calculator
- ARM Loan Payment
- Fixed Rate Loan APR
- ARM Loan APR
- Mortgage Amortization
- Mortgage Remaining Principal
- Should I Pay Points
- Should I Buy or Rent
- Should I Make Extra Payments
- Should I Consolidate My Debt
- Tax Benefits of Buying
Commercial (9 articles)
- Commercial Underwriting Guidelines
- Commercial Lending Ratios
- Commercial Loan to Value Ratios
- Commercial Debt Ratios
- Commercial Debt Service Ratio
- Commercial Property Types
- Questions to Ask Yourself
- Commercial Loan Checklist
- Financing Options
Credit (14 articles)
- How to Improve Your Credit
- Your Credit Report
- Credit Scoring and How It Works
- Credit Profile
- Credit Reporting Agencies
- Credit Grade
- Other Credit Factors
- Know the Score About Your Credit Rating
- Credit Inquiries
- How to Fix Credit Report Errors
- Steps to Take After Being Denied a Loan
- Improve Your Bad Credit
- Establish a Credit History
- How to Prevent Identity Theft
Insurance (11 articles)
- Homeowners Insurance
- 12 Ways to Save Money on Homeowners Insurance
- Private Mortgage Insurance (PMI)
- PMI Cancellation
- PMI Payment Options
- Private Mortgage Insurance vs FHA Mortgage Insurance
- Title Insurance
- Title Insurance Protection
- Title Insurance Policy
- Title Insurance FAQ
- Flood Insurance
Interest Rates (11 articles)
- Several Factors Affect Your Mortgage Rate
- Annual Percentage Rate (APR)
- Lock In Your Interest Rate
- Closing Costs Explained
- Should I Pay Points
- Monthly Interest Rate Newsletter
- Freddie Mac Monthly Average Interest Rates
- Market Snapshot
- Economic Calendar
- Market Commentary
- Mortgage Calculations by Hand
Loan Programs (8 articles)
- Choosing a Loan Program
- Conventional and Jumbo Loans
- Subprime Loans
- Fixed Rate Mortgages
- Adjustable Rate Mortgages (ARMs)
- Introductory Rate ARMs
- Interest Only Loans
- Commercial Loans
Refinance (11 articles)
- Refinance Considerations
- Refinance Once Then Do It Again
- Build Home Equity Faster
- Get Your Hands on Some Cash
- Trade Your ARM for a Fixed Rate
- Mortgage Refinance Costs
- Analyze Your Savings
- Paying Points for a Lower Rate
- Your Personal Income Taxes
- Consider Other Mortgage Programs
- Deciding to Refinance
Relocation (7 articles)
- Relocation Considerations
- Top Ten Relocation Headaches
- Relocation Issues for Kids
- Home Buyer Checklist
- Select a Relocation Professional
- Before You Relocate
- After You Relocate