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A premier mortgage loan locator: We will do our best in finding the mortgage lender right for you. This is where the smart person finds the right mortgage loan.  We will match your mortgage needs with a professional licensed lender who is professional and ethical with a proven track record for success!  We have a working relationship with most of the top bankers/brokers in the business.  It is our pleasure to filter through all the hype and over-priced mortgage deals to match you with a company who will give you a fair and expedient mortgage loan--custom fit to meet your mortgage needs. This is available by filling out our quick application for review.  This service is free to you! This is a one stop solution for getting the kind of mortgage loan that you deserve today.  Apply with us today. We have remedied the problem of having only one contact person working on your loan.  We have teams standing by to streamline your loan from application through document signing and culminate with funding by implementing a team approach. This allows an expert from each phase of the process to address the associated issues. This approach is key to our success. Unfortunately for the loan industry, very few companies have adopted this approach. Consequently, borrowers are left "high and dry" when trying to get answers about the status of their loan. It also becomes very difficult to exchange information when dealing with a single point of contact.

FAQs (Frequently Asked Questions) Question: What are the advantages of using Us versus other mortgage brokers/bankers?   Answer: We have many mortgage bankers/brokers who represent all the up-to-date products available for you. We work with many lenders to provide you with a loan that meets your individual needs. Our lenders as a banker/broker have a large selection of loan programs geared to meet the demands of every type of borrower! Unlike most bankers/brokers, our lenders will take the time needed to assist you in filling out the complex forms required for your loan application. This arduous process only needs to be done once for a multiple network of lenders have aligned themselves with. This has proven to result in the swiftest approval and most competitive rates at no additional cost to you! The mission of Funding-Loans.com is to help you achieve the "American Dream" through proper financing of your home purchase or refinance!     Question: How much home can you afford? Answer: The answer is based upon three factors: (1) Debt to Income Ratio, (2) House Expense to Income Ratio, and (3) a monthly payment that is comfortable to your financial condition. Please apply on the Debt Analysis Page for a free review on how we can help you, and/or turn to our Mortgage Calculator Page to determine these calculations for yourself! Question: What is a Pre-Qualification? Answer: A pre-qualification is an estimate of how much of a mortgage payment you can afford. It is based upon the verbal information you provide and is subject to the approval process, including further details such as a credit report, appraisal and income verification. Remember a pre-qualification is an estimate.   Question: What is a Pre-Approval? Answer:  A pre-approval is a firmer commitment on behalf of the mortgage lender. Your credit report was reviewed and the terms are subject to the appraisal of the house you intend to purchase. A "pre-approval" gives you, the home buyer, an advantage in the marketplace. It is much easier to find the home that is right for you when you know how much home you can afford and closing the transaction takes a shorter period of time.   Question: What are Interest Rates and Points? Answer:  When comparing loans from one lender to the next, pay particular attention to interest rates and points. Keep in mind there are other factors that should be evaluated as well. Since every situation is unique and since the lowest interest might not always result in the best loan for you, Funding-Loans.com can assist you in evaluating all of these factors to find the mortgage loan that best meets your needs.

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Remember! An extra half of a percentage point in interest can add up to tens of thousands of dollars in added costs during the life of a loan. Interest rates can change from one day to the next. While adjustable rate mortgages might start out with lower interest rates, they can also rise sharply in a short amount of time! Points are fees charged by lenders to increase their profits. One point is 1 percent of the amount you want to borrow. Points are charged for processing and servicing your loan.  Lenders who advertise No-Points Loans in most cases are charging higher interest rates, with extra hidden fees when possible. They usually get points from the lender on the back end, for charging you a higher interest rate then what you qualify for, in a no-points loan. This is a bait and switch method of selling a loan. The lenders give you the illusion of getting a good deal by saying "no points."  When you hear that you think, "great no fees" and that means a good deal, right? This is not the case when they offer no points; they give you a higher than normal interest rate.  Within that higher interest rate is enough extra profit to make up for the lost upfront points. In a lot of cases, the lenders can make more money off you in the long run with a higher interest rate, than they can with points. On top of that, the lenders will include other hidden fees when legally possible to help balance the no- point promise to you.  Remember: the fees are somewhere, that is how the lenders make their money.  Is it not better to get a straightforward loan than one with hidden fees and extra interest rates?  Your call to make, but remember the lenders have to get paid, and they don't earn money for giving loans for free!

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Additional features of our team:

	Special Internet Loan Services Department standing by to help you.
	Provides 1st, 2nd, and 3rd mortgages
	No appraisal needed for some of the loans
	You have Imperfect credit?  We have Subprime Loans for you!
	Free customized benefit analysis
	Fast and Friendly Service

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