Financial Independence Mtg

read moreWelcome to Financial Independence Mortgage, for over 30 years our focus has been funding loans for our clients as Fast and Easy as possible with the most competitive rates in the nation. Each customer has specific needs, so we strive to meet those specific needs with a wide array of mortgages with rates and fees that crush the big banks and national mortgage giants. Starting with an secure online application that takes minutes to complete, elimination of unnecessary documentation, use of modern technology to obtain and verify documents without requiring you to dig old files, and a funding process that shaves weeks off what clients expect the process to take.

read moreDean Henderson has been a full time mortgage lender since 1988. He has helped thousands of families obtain home loans, mostly in the Antelope Valley. He is able to close loans much faster than the major banks and other institutions by eliminating all the bureaucratic red tape and utilizing superior knowledge over the less experienced originators found in the larger institutions. In addition to having the invaluable experience of personally closing thousands of home loans he also takes every opportunity to invest in continuing education to keep on top of our ever-changing industry guidelines and regulations.

read moreInformation and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Financial Independence Mortgage strives to ensure that its services are accessible to people with disabilities.

read moreThe most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime. For many years this is all we have recommended since rates have been so low for so long. FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment and lenient qualifying guidelines. VA loans are mortgages guaranteed by the Department of Veteran Affairs.

read moreThe first step in obtaining a loan is to determine how much money you can borrow. In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines. You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities. LTV or Loan-To-Value ratio is the maximum amount of exposure that a lender is willing to accept in financing your purchase.