Underwood Mortgage Group is a boutique lender with all of the capabilities of a much larger brokerage firm. We are both Mortgage Brokers and Direct Lenders - a unique position that allows us to shop dozens of banks, as well as loan our own money. Even more important, we remain in control of the underwriting and processing of each and every loan. And in contrast to retail lenders, such as banks and credit unions, we can offer a wider variety of products and services.
Purchase or refinance, commercial or residential, A-paper to subprime, we are able to help virtually anyone with property financing. This "best of both worlds" capacity ensures that our clients receive the best rates, terms and service available. When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you.
Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity.
Purchase or refinance, commercial or residential, A-paper to subprime, we are able to help virtually anyone with property financing. This "best of both worlds" capacity ensures that our clients receive the best rates, terms and service available. When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you.
Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity.
Services
When you decide to buy a home or refinance a mortgage, it's a big step.
You can trust Underwood Mortgage Group to find the loan program that's best for you.
With a half century of combined experience in the mortgage industry, our team is fully equipped to understand your needs.
Once we identify your individual needs, our team can offer a diverse array of mortgage solutions and products, which are tailored for your unique requirements.
As the Senior Mortgage Consultant at Underwood Mortgage Group, Rick has formed strong relationships with lenders of every capacity during his eight years in the mortgage industry.
You can trust Underwood Mortgage Group to find the loan program that's best for you.
With a half century of combined experience in the mortgage industry, our team is fully equipped to understand your needs.
Once we identify your individual needs, our team can offer a diverse array of mortgage solutions and products, which are tailored for your unique requirements.
As the Senior Mortgage Consultant at Underwood Mortgage Group, Rick has formed strong relationships with lenders of every capacity during his eight years in the mortgage industry.
The level of service I received from Rick Underwood and Underwood Group was excellent.
The most important factors in choosing a mortgage professional would be #1: Integrity, #2: Competitive Rates, #3: Knowledge/Professionalism #4: Service which are all important.
Most of all, I was very satisfied with with the overall experience with Rick and his team.
Rick was prompt and provided timely replies.
He was always professional, timely and hard working.
I would forward family and friends to him.
When it comes to choosing a mortgage professional, knowledge and professionalism are very important.
The most important factors in choosing a mortgage professional would be #1: Integrity, #2: Competitive Rates, #3: Knowledge/Professionalism #4: Service which are all important.
Most of all, I was very satisfied with with the overall experience with Rick and his team.
Rick was prompt and provided timely replies.
He was always professional, timely and hard working.
I would forward family and friends to him.
When it comes to choosing a mortgage professional, knowledge and professionalism are very important.
Prepayment Amount Amount that will be prepaid on your mortgage.
This amount will be applied to the mortgage principal balance, based on the prepayment type.
Start With Payment This is the payment number that your prepayments will begin with.
For a one time payment, this is the payment number that the single prepayment will be included in.
All prepayments of principal are assumed to be received by your lender in time to be included in the following month's interest calculation.
If you choose to prepay with a one-time payment for payment number ZERO, the prepayment is assumed to happen before the first payment of the loan.
This amount will be applied to the mortgage principal balance, based on the prepayment type.
Start With Payment This is the payment number that your prepayments will begin with.
For a one time payment, this is the payment number that the single prepayment will be included in.
All prepayments of principal are assumed to be received by your lender in time to be included in the following month's interest calculation.
If you choose to prepay with a one-time payment for payment number ZERO, the prepayment is assumed to happen before the first payment of the loan.
Buying a home can be one of the most rewarding achievements in your life.
However, before you start looking for your dream home, it may help to first become familiar with the characteristics lenders are looking for in borrowers.
While a down payment is not always required, it reduces the loan-to-value (LTV) ratio, allowing lenders to see that the value of the house is greater than the loan that you are taking out.
Lenders calculate your LTV ratio by dividing the amount you are asking to borrow by the value of the home you want to buy or refinance.
However, before you start looking for your dream home, it may help to first become familiar with the characteristics lenders are looking for in borrowers.
While a down payment is not always required, it reduces the loan-to-value (LTV) ratio, allowing lenders to see that the value of the house is greater than the loan that you are taking out.
Lenders calculate your LTV ratio by dividing the amount you are asking to borrow by the value of the home you want to buy or refinance.
You helped us tremendously and exceeded my expectations.
I sincerely appreciate your hard work to get us the best loan and actually look forward to any future transactions.
You have better things to do than monitor your mortgage balance, interest rates, home values, etc.
So, let us.
Most homeowners fail to take advantage of market adjustments and dips in interest rates simply because they don't know when the time is right to refinance.
Quite simply, we have implemented a fancy program that allows us to track all of the necessary factors, and determine when the time is right for our clients to refinance and save money.
I sincerely appreciate your hard work to get us the best loan and actually look forward to any future transactions.
You have better things to do than monitor your mortgage balance, interest rates, home values, etc.
So, let us.
Most homeowners fail to take advantage of market adjustments and dips in interest rates simply because they don't know when the time is right to refinance.
Quite simply, we have implemented a fancy program that allows us to track all of the necessary factors, and determine when the time is right for our clients to refinance and save money.
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