We're not your typical mortgage broker! We're user friendly and in it for the long haul. We have been serving our clients for the past 26 years - so we can work for you and what's in your interest. Our team concept allows you to talk with any of our representatives - someonAe is always ready to help you. We pride ourselves in the personal attention we give each loan.
With over 40 combined years in business, we have established many good relationships with lenders, underwriters, and escrow people to eliminate many of the typical loan hassles. Get started today! Visit our Apply Online section where you can securely submit a complete online loan application, pre-qualify for a home loan, or request an update on your loan in process.
With over 40 combined years in business, we have established many good relationships with lenders, underwriters, and escrow people to eliminate many of the typical loan hassles. Get started today! Visit our Apply Online section where you can securely submit a complete online loan application, pre-qualify for a home loan, or request an update on your loan in process.
Services
Over 32 years ago my friend Clark asked me to lunch and told me this idea he had about starting his own mortgage company.
We had been working together for some time and neither of us was feeling very good about what we were doing.
He wanted to open a mortgage brokerage- which at the time was fairly new industry.
He wanted to do loans for his friends and feel good about it when the loans closed.
In January of 1989, Mortgage Mart officially opened.
I did not join Clark until after my daughter was born in February.
We had been working together for some time and neither of us was feeling very good about what we were doing.
He wanted to open a mortgage brokerage- which at the time was fairly new industry.
He wanted to do loans for his friends and feel good about it when the loans closed.
In January of 1989, Mortgage Mart officially opened.
I did not join Clark until after my daughter was born in February.
A mortgage broker is an independent agent that acts as the middle man for both the borrower and the lending institution.
A mortgage broker will seek the best lender to fit your individual loan needs, possibly submitting your mortgage application to more than one lender in order to find the right loan for you.
A mortgage broker is the only loan originator that has a fiduciary responsibility to their borrwers- that means we are now held to a higher standard and must provide what is always in our borrowers best interest, which is not new to us at Mortgage Mart, Inc.
A mortgage broker will seek the best lender to fit your individual loan needs, possibly submitting your mortgage application to more than one lender in order to find the right loan for you.
A mortgage broker is the only loan originator that has a fiduciary responsibility to their borrwers- that means we are now held to a higher standard and must provide what is always in our borrowers best interest, which is not new to us at Mortgage Mart, Inc.
The responsibility of a mortgage servicer is to collect your monthly loan payments, making sure that your account is properly credited, and to manage your mortgage escrow, if you have one.
You may deal with more than one servicer during the life of the loan.
Often the rights to service a loan are bought and sold over the time it takes to pay off a mortgage.
The original mortgage agreement will not change, but the servicing conditions might.
It is important that you understand what a mortgage servicer does and what your rights are.
You may deal with more than one servicer during the life of the loan.
Often the rights to service a loan are bought and sold over the time it takes to pay off a mortgage.
The original mortgage agreement will not change, but the servicing conditions might.
It is important that you understand what a mortgage servicer does and what your rights are.
Raising your credit score is a task that must be accomplished over time.
The credit score is an assessment of credit history factors.
Therefore, it is generally impossible to change your score during the short period of time you are applying for a loan.
As such, it is important to be aware of the positive and negative variables that affect your rating so that you can improve your credit score before you need to use it as a tool to obtain a loan.
You can improve your credit score a little each year (by as much as 50 points) by careful management of your credit obligations.
The credit score is an assessment of credit history factors.
Therefore, it is generally impossible to change your score during the short period of time you are applying for a loan.
As such, it is important to be aware of the positive and negative variables that affect your rating so that you can improve your credit score before you need to use it as a tool to obtain a loan.
You can improve your credit score a little each year (by as much as 50 points) by careful management of your credit obligations.
A. A home is an investment.
When you rent, you write your monthly check and that money is gone forever.
But when you own your home, you can deduct the cost of your mortgage loan interest from your federal income taxes, and usually from your state taxes.
You can also deduct the property taxes you pay as a homeowner.
In addition, the value of your home may go up over the years.
Finally, you'll enjoy having something that's all yours - a home where your own personal style will tell the world who you are.
When you rent, you write your monthly check and that money is gone forever.
But when you own your home, you can deduct the cost of your mortgage loan interest from your federal income taxes, and usually from your state taxes.
You can also deduct the property taxes you pay as a homeowner.
In addition, the value of your home may go up over the years.
Finally, you'll enjoy having something that's all yours - a home where your own personal style will tell the world who you are.
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