Did you know that pre-approval can be a deciding factor for sellers who receive multiple bids? We work with various lenders to ensure our clients receive the best deals, and all of the closing costs are paid with a credit from the lender. You will deal directly with the owners who have a combined 50+ years in the mortgage business, and another 20+ years in financial management.
Zero point lender for purchase and refinance - No added fees, no prepayment penalties, no surprises. Over 90% of our clients are returning customers or have been referred by other happy clients. True 0 point and 0 cost loans. Unlike other lenders, we do not roll your closing costs into your mortgage balance. Every closing cost associated with your closing is paid for you - from the appraisal to the overnight fees - including the lender title insurance.
Century Mortgage Lending was founded over 20 years ago in Birmingham, Michigan to assist people in building their wealth through mortgage management strategies. While you are still getting your loan through a bank, we represent many institutions and can assure that you are getting the best rate and program to fit your individual needs.
Zero point lender for purchase and refinance - No added fees, no prepayment penalties, no surprises. Over 90% of our clients are returning customers or have been referred by other happy clients. True 0 point and 0 cost loans. Unlike other lenders, we do not roll your closing costs into your mortgage balance. Every closing cost associated with your closing is paid for you - from the appraisal to the overnight fees - including the lender title insurance.
Century Mortgage Lending was founded over 20 years ago in Birmingham, Michigan to assist people in building their wealth through mortgage management strategies. While you are still getting your loan through a bank, we represent many institutions and can assure that you are getting the best rate and program to fit your individual needs.
Services
Pre-approval shows that you have the resources to make a purchase when you find the perfect home.
By proving you have lenders backing you, your mortgage pre-approval could help you negotiate on price - it may also be a deciding factor for sellers who receive multiple bids.
Pre-approval involves requesting a copy of your credit history and an examination of your application information and the documents you provide.
This will show as an inquiry on your credit report.
Because pre-approvals are only good for a certain amount of time, we recommend that you apply for a pre-approval when you are fairly certain you'll buy a home within the next 90 days.
By proving you have lenders backing you, your mortgage pre-approval could help you negotiate on price - it may also be a deciding factor for sellers who receive multiple bids.
Pre-approval involves requesting a copy of your credit history and an examination of your application information and the documents you provide.
This will show as an inquiry on your credit report.
Because pre-approvals are only good for a certain amount of time, we recommend that you apply for a pre-approval when you are fairly certain you'll buy a home within the next 90 days.
Use our mortgage calculator or one of the third-party calculators to guide you through the mortgage process by providing you with accurate estimates of principal, interest, and payment schedules.
You can calculate the mortgage loan amount from the price of the real estate by providing the down payment percentage.
If you know the mortgage amount you can afford and the cash down payment percentage required, you can calculate the affordable real estate price.
Or if you know the price of the real estate and the loan amout and enter "0" for the down payment percentage, the calculator will calculate the down payment amount and percentage.
You can calculate the mortgage loan amount from the price of the real estate by providing the down payment percentage.
If you know the mortgage amount you can afford and the cash down payment percentage required, you can calculate the affordable real estate price.
Or if you know the price of the real estate and the loan amout and enter "0" for the down payment percentage, the calculator will calculate the down payment amount and percentage.
In essence, by getting your mortgage through Century Mortgage Lending you are indirectly still getting your mortgage from a bank.
The difference is, we represent many banks, and can therefore search all of our banks to assure that you are getting the best rate and program to fit your individual needs.
We're able to negotiate good rates with the best lenders because of the quantity and quality of our loans.
Closing Costs are the costs associated with processing and closing your loan; such as the appraisal, underwriting, processing, title insurance, recording fees, or points.
The difference is, we represent many banks, and can therefore search all of our banks to assure that you are getting the best rate and program to fit your individual needs.
We're able to negotiate good rates with the best lenders because of the quantity and quality of our loans.
Closing Costs are the costs associated with processing and closing your loan; such as the appraisal, underwriting, processing, title insurance, recording fees, or points.
An understanding of the different indexes and rates helps you make better financial decisions.
We ensure you get the best rate, but also like to keep our clients informed.
The monthly weighted average cost of deposits and borrowings for savings institutions in the Federal Home Loan Bank's 11th District, as made available by the Federal Home Loan Bank of San Francisco.
The 12-month average of annual yields on actively traded United States Treasury Securities adjusted to a constant maturity of one year, as made available by the Federal Reserve and published in its Statistical Release, "Selected Interest Rates - G13."
We ensure you get the best rate, but also like to keep our clients informed.
The monthly weighted average cost of deposits and borrowings for savings institutions in the Federal Home Loan Bank's 11th District, as made available by the Federal Home Loan Bank of San Francisco.
The 12-month average of annual yields on actively traded United States Treasury Securities adjusted to a constant maturity of one year, as made available by the Federal Reserve and published in its Statistical Release, "Selected Interest Rates - G13."
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