Shopping can be easy.
I
f you know what to look for and have the right guide to get you there.
Shopping for a mortgage could be one of the most frustrating experiences in one's life, but it doesn't have to be.  If you find yourself confused by the whole process, you are not alone.
The process is not designed to be confusing, but after layers and layers of government regulations, it has become so. That's where we come into play. Our lenders have experienced loan officers standing by to help and if they can't, they'll tell you quickly. We have designed a debt analysis which we provide to anyone who applies that quickly helps you visualize how the loan for which you applied can help you in your particular circumstances.

Initially, the shopping process would seem quite simple. Just call several lenders, compare rates and pick the lowest one. After a few phone calls, one can begin to realize that it is almost impossible to compare one lender to another. Our lender's don't play that game. We don't need to.

Within 48 hours of your Internet Online Application, you will have a return e-mail that lays out the monthly savings, interest rate, costs, and several monthly payment options. You will clearly know within a short period of time the facts necessary to make an informed decision.

We will not quote rates without learning more about your situation. Any lender who does is misguiding you. Interest rates can range between 2% and 22% depending upon factors such as:

 

What makes more sense, a first or second mortgage?

Does an adjustable or fixed rate better benefit you?

What is your debt to income ratio?

What is the equity position you have in your property?

Is your income stable?

Are you self-employed?

How long have you lived in the property?

What type of property is it?

How long have you been on your job?

How is your credit?

Are you the only one on the Title? Is there a co-borrower?

If so, how do these questions apply to the co-borrower?


On most debt consolidation loans, we are able to cut the minimum monthly obligation for the debts we pay off in about half the time, or we can shorten the length of time to pay back the debt from 18 - 29 years to under 9 years.

We urge you to complete the application and discover for yourself if debt consolidation would be a prudent decision for you. 



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