E-Z Loan Savers

read moreWe know that each customer has specific needs and we strive to meet those specific needs with quality service and individual attention. We pride ourselves in giving you the mortgage information, loan options and convenient assistance you're looking for. With a variety of loan programs and an established network of lenders behind us, we will find the loan that best suits your needs, at a very competitive rate. We offer conforming, non-conforming and government loan programs. Let us guide you through the home buying or refinancing process, and provide you with the best service available.

read moreConventional loans are secured by government sponsored entities such as Fannie Mae and Freddie Mac. Conventional loans can be made to purchase or refinance homes, single family to four family homes. These loans generally begin with an interest rate that is 2-3 percent below a comparable fixed rate mortgage, and could allow you to buy a more expensive home. In certain markets, Adjustable Rate Loans (ARMs) may offer a low introductory rate or start rate. This start rate is for a limited time. As a rule, the lower the start rate is the shorter the time before the loan makes its first adjustment.

read moreFind out what type of home is in your budget by entering a few numbers into our calculator. Find out how long it takes to pay off a consolidation loan if you make a payment equal to your total monthly payments before consolidating. This calculator figures how much interest savings you will have depending on how much extra you pay monthly. What is the APR for My ARM Loan? This APR ARM Loan Calculator can be used to estimate the Annual Percentage Rate for a loan based on input parameters. What is the APR for My Fixed Rate Loan?

read moreAnother way to make a refinance work is for you is to refinance for more than the balance remaining on your old mortgage. With today's low rates, you can tap into your equity without increasing your monthly payment. By switching to a fixed rate loan, it is possible to reduce your payment and lock in at an attractive rate for as long as you own your home. When you refinance your mortgage, you usually pay off your original mortgage and sign a new loan. With a new loan, you again pay most of the same costs you paid to get your original mortgage.

read moreWhen you insure your home, you should insure your home for the total amount it would cost to rebuild your home if it were destroyed. Friends, family, the phone book and the Internet are some of the sources you can use to find homeowners insurers. Mortgage insurance can usually be canceled by the home buyer after he or she has at least 20 percent equity in the home. Although the insurance protection concept is similar, there are differences between private mortgage insurance and FHA mortgage insurance.

read moreIf you have had credit problems, be prepared to discuss them honestly with a mortgage professional. Credit scoring, also known as FICO scoring, is a statistical method of assessing the credit risk of a loan applicant. A credit profile details your credit history as it has been reported to the credit reporting agencies by lenders who have extended credit to you. Mortgage companies often grade your loan based on certain credit related items such as payment history, amount of debt payments, bankruptcies, equity position and your credit score.