Better Lending
Loan Programs
The following is a partial list of programs offered with a brief description of the key elements of each. For a complete list of the programs that we offer.
What Do Mortgage Brokers Do?
Whether you’re purchasing or refinancing a residential property, brokers gather loan options in addition to necessary paperwork, like income and bank statements, credit reports and employment history, to give a file to lenders to secure a home loan, as well as help your transaction close properly and on time.
Realize Your Dream of Home Ownership
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The personal loans industry is competitive, with hundreds of lenders competing for the attention of borrowers.
Credit Check
With hundreds of lenders competing for the attention of borrowers.
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Before starting the application process for any kind of loan, it’s a good idea to review your credit.
Change Your Loan Type or Term
Another refinancing option is to shorten your loan term, so you pay your home off in less time.
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Another refinancing option is to shorten your loan term, so you pay your home off in less time. For example, you might switch from a 30-year loan to a 20-year loan. This would allow you to build equity faster, and pay off your loan in less time, with the same (or marginally higher) monthly payments. If you have an adjustable-rate or interest-only loan, you may be able to refinance to a fixed-rate loan product that may save you money over the life of your loan, and may allow you to build equity.
Lock Your Rate
A rate lock is a guarantee from a mortgage lender that they will give a mortgage loan applicant.
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A rate lock freezes the interest rate. The lender guarantees (with a few exceptions) that the mortgage rate offered to a borrower will remain available to that borrower for a stated period of time. With a lock, the borrower doesn’t have to worry if rates go up between the time they submit an offer and close on the home.
Cash-Out Refinance
This can be helpful in consolidating and paying off any other debt
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In an ideal situation, the value of your home will have risen since you first purchased allowing you to access that equity through a cash-out refinance. Taking “cash out” allows you to borrow money against the home due to that increase in the home’s value. This can be extremely helpful in consolidating and paying off any other debt you may have (car loans, medical bills, credit cards), or even be used to reinvest in the home for improvements or additions.
FHA Streamline Refinance
The streamline doesn’t require the homeowner to obtain an appraisal
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The FHA streamline refinance program is one of the simplest ways for FHA loan holders to lower their interest rate. Unlike the mountains of documents and personal information that conventional loans require you to collect, the streamline does not require the homeowner to obtain an appraisal or verify their income/assets.
VA Refinance Loan
A refinance program similar to the FHA streamline, but for VA loan holders
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The VA Interest Rate Reduction Refinance Loan (IRRRL) is a refinance program similar to the FHA streamline, but for VA loan holders. There is no appraisal or income verification, and an IRRRL can be accomplished with “no money out of pocket” to close because all costs can be assumed in the loan amount. However, homeowners MAY NOT receive any cash back from a VA IRRRL. A VA IRRRL is very helpful in lowering your monthly payment by decreasing the interest rate or term of the current mortgage
Qualified Lender
We are committed to providing our clients with best refinance options and rates.
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We are committed to providing our clients with best refinance options and rates. If you are thinking about refinancing your current loan, we can help!