Thank you for choosing Dalton Mortgage Group for your mortgage needs! At DMG we use the most up to date technology and security measures to insure that your applications taken through this web site are easy to understand and encrypted at the highest level. We pride ourselves on offering the highest in customer service and communication so that you are always "in the loop" on the status of your construction, purchase or refinance loan.
With over 30 years combined experience in the industry we understand how important your mortgage is to you and therefore to us. Thank you again for choosing DMG for your home loan and have a great day! We treat you right and give you the individual service you deserve. We understand you're making a commitment in buying a house, refinancing a mortgage, or tapping into your equity.
We make a promise to you: we will help you qualify, apply and be approved for the ideal mortgage for you. Give us a call at (405) 242-6066 or fill out an application online.
With over 30 years combined experience in the industry we understand how important your mortgage is to you and therefore to us. Thank you again for choosing DMG for your home loan and have a great day! We treat you right and give you the individual service you deserve. We understand you're making a commitment in buying a house, refinancing a mortgage, or tapping into your equity.
We make a promise to you: we will help you qualify, apply and be approved for the ideal mortgage for you. Give us a call at (405) 242-6066 or fill out an application online.
Services
Make no mistake, there's a lot involved in getting a mortgage loan.
You wouldn't be here on our website if you could fill out a one-page application and get the best loan for you funded the same day.
What we do is most of the heavy lifting for you, so you can concentrate on what's important -- preparing to move into your new home, saving money, or making plans for your home equity line of credit.
This is a function of a couple things.
How much of a monthly payment can you afford?
And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you?
You wouldn't be here on our website if you could fill out a one-page application and get the best loan for you funded the same day.
What we do is most of the heavy lifting for you, so you can concentrate on what's important -- preparing to move into your new home, saving money, or making plans for your home equity line of credit.
This is a function of a couple things.
How much of a monthly payment can you afford?
And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you?
We should say that "working with us" is the first way!
When you let us help you find the loan that's right for you, you truly are taking advantage of some of the area's best technology and expertise to get you a loan decision and funding on your loan quickly.
1. Have everything ready and in one place.
Elsewhere on our website, you'll find a list of things you might need in support of your mortgage application.
If you get them all together and keep them in a safe, portable place like a special pouch or folder, you can cut down on time spent rooting around for things we may need.
When you let us help you find the loan that's right for you, you truly are taking advantage of some of the area's best technology and expertise to get you a loan decision and funding on your loan quickly.
1. Have everything ready and in one place.
Elsewhere on our website, you'll find a list of things you might need in support of your mortgage application.
If you get them all together and keep them in a safe, portable place like a special pouch or folder, you can cut down on time spent rooting around for things we may need.
Anything you submit over our website is 100 percent, fully secure.
And we never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders about you and convince them to loan you money.
In turn, those mortgage lenders are bound by federal law to keep your information secure.
Here is a list of the information mortgage lenders will use to consider your loan application.
Two years tax returns, profit and loss statements, both company and personal if separate.
And we never, ever share it with anyone except by permission -- that is, if you're giving us information you want us to use to get you the best loan, we use that information to tell mortgage lenders about you and convince them to loan you money.
In turn, those mortgage lenders are bound by federal law to keep your information secure.
Here is a list of the information mortgage lenders will use to consider your loan application.
Two years tax returns, profit and loss statements, both company and personal if separate.
You'll see an interest rate and an Annual Percentage Rate (A.P.R.) for each mortgage loan you see advertised.
The easy answer to "why" is that federal law requires the lender to tell you both.
The A.P.R. is a tool for comparing different loans, which will include different interest rates but also different points and other terms.
The A.P.R. is designed to represent the "true cost of a loan" to the borrower, expressed in the form of a yearly rate.
This way, lenders can't "hide" fees and upfront costs behind low advertised rates.
The easy answer to "why" is that federal law requires the lender to tell you both.
The A.P.R. is a tool for comparing different loans, which will include different interest rates but also different points and other terms.
The A.P.R. is designed to represent the "true cost of a loan" to the borrower, expressed in the form of a yearly rate.
This way, lenders can't "hide" fees and upfront costs behind low advertised rates.
A rate lock or a rate commitment is a lender's promise to hold a certain interest rate and a certain number of points for you for a specified period of time while your application is processed.
This prevents you from going through your whole application process and at the end of it finding out the interest rate has gone up.
A rate lock period can vary in length, and longer ones usually cost more.
A lender will agree to "hold" your interest rate and points for a longer period, say 60 days, but in exchange the rate and maybe points are higher than with a shorter rate lock period, for example.
This prevents you from going through your whole application process and at the end of it finding out the interest rate has gone up.
A rate lock period can vary in length, and longer ones usually cost more.
A lender will agree to "hold" your interest rate and points for a longer period, say 60 days, but in exchange the rate and maybe points are higher than with a shorter rate lock period, for example.
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