These rates assume a 780 credit score, $200,000 loan amount and 25% equity, please contact us for other scenarios and no closing cost options. We offer a full range of closing cost options. All loan estimates are provided with several different interest rate & closing costs combinations to ensure that the goals of our clients are met. All primary residences and second home purchase and refinances, as well as many investment properties, include a "no closing costs" option.
We do not charge direct costs such as application or processing fees, which further ensures that we offer the most competitive programs available.
We do not charge direct costs such as application or processing fees, which further ensures that we offer the most competitive programs available.
Services
Our goal is to provide the lowest rates and costs in the industry for refinancing and home purchases.
Lenders analyze your credit scores to determine whether or not to approve a home mortgage, a car purchase and nearly all other types of loans.
Before lending you money, creditors want to determine how much of a risk you are-in other words, how likely you are to repay the money they loan you.
Credit scores help them do that, and the higher your score, the less risk they feel you'll be.
Most increases to your credit scores take place over time and require an ongoing effort from you.
Lenders analyze your credit scores to determine whether or not to approve a home mortgage, a car purchase and nearly all other types of loans.
Before lending you money, creditors want to determine how much of a risk you are-in other words, how likely you are to repay the money they loan you.
Credit scores help them do that, and the higher your score, the less risk they feel you'll be.
Most increases to your credit scores take place over time and require an ongoing effort from you.
Our goal is to provide the lowest rates and costs in the industry for refinancing and home purchases.
But is it really beneficial to pay more money in upfront costs to get a lower interest rate?
The answer to this question depends on your personal financial situation and how long you plan on living in the home or having the mortgage in place.
Each point that you buy costs you one percent of your mortgage amount so buying points can add up.
For example, if you are establishing a $200,000 and you choose to buy two points, you will be paying $4,000 in points.
But is it really beneficial to pay more money in upfront costs to get a lower interest rate?
The answer to this question depends on your personal financial situation and how long you plan on living in the home or having the mortgage in place.
Each point that you buy costs you one percent of your mortgage amount so buying points can add up.
For example, if you are establishing a $200,000 and you choose to buy two points, you will be paying $4,000 in points.
Our goal is to provide the lowest rates and costs in the industry for refinancing and home purchases.
Fixed-rate mortgages and adjustable-rate mortgages (ARMs) are the two primary mortgage types.
While the marketplace offers numerous varieties within these two categories, the first step when shopping for a mortgage is determining which of the two main loan types - the fixed-rate mortgage or the adjustable-rate mortgage - best suits your needs.
A fixed-rate mortgage charges a set rate of interest that does not change throughout the life of the loan.
Fixed-rate mortgages and adjustable-rate mortgages (ARMs) are the two primary mortgage types.
While the marketplace offers numerous varieties within these two categories, the first step when shopping for a mortgage is determining which of the two main loan types - the fixed-rate mortgage or the adjustable-rate mortgage - best suits your needs.
A fixed-rate mortgage charges a set rate of interest that does not change throughout the life of the loan.
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