Mortgage Lending has changed as much as any other industry over the last 10 years. To educate our clients on the home loan process, we have created a step by step guide for your review and consideration. The key take away here is to obtain your financing first! This eliminates stress and makes the overall purchase process much easier on everybody.
Thank you TJ Frank so much for finding us the perfect home and Tory Pietzsch and his amazing team at The Efinity Group. Lauren and I are so excited to start yet another chapter in our lives and raising our son in such a lovely neighborhood! Made the impossible happen! I had an extremely tricky loan process for the home I bought, and not only did Mr. Pietzsch make the very difficult occur, but was gracious, thorough, and got the process done in the estimated time.
I would highly recommend him for any purchase or refinance needs! The best real estate agent is an experienced professional who listens to your concerns and knows their market. That person might not.
Thank you TJ Frank so much for finding us the perfect home and Tory Pietzsch and his amazing team at The Efinity Group. Lauren and I are so excited to start yet another chapter in our lives and raising our son in such a lovely neighborhood! Made the impossible happen! I had an extremely tricky loan process for the home I bought, and not only did Mr. Pietzsch make the very difficult occur, but was gracious, thorough, and got the process done in the estimated time.
I would highly recommend him for any purchase or refinance needs! The best real estate agent is an experienced professional who listens to your concerns and knows their market. That person might not.
Services
The most common type of mortgage program in the US is the Fixed Rate.
Here your monthly payments which are based on the amount, the interest rate and principal never change.
Property taxes and homeowners insurance are not included in the Loan and as such may increase.
By in large your monthly payments will be very stable.
The credit crisis of 2008 - 2010 eliminated most nationally financed construction lending program(s).
Based on the location of your home, Efinity Mortgage may work with regional banks to facilitate your construction needs.
Here your monthly payments which are based on the amount, the interest rate and principal never change.
Property taxes and homeowners insurance are not included in the Loan and as such may increase.
By in large your monthly payments will be very stable.
The credit crisis of 2008 - 2010 eliminated most nationally financed construction lending program(s).
Based on the location of your home, Efinity Mortgage may work with regional banks to facilitate your construction needs.
Adjustable Rate Mortgages (ARMs) have a distinct advantage of beginning with a lower interest rate than that of a fixed rate mortgage, typically, 1-2 percent below a comparable fixed rate mortgage.
There are several characteristics to ARM loans.
They include the Index, the Margin, Change Caps, Payment Caps, and lifetime Caps.
We'll do our best to summarize but it's strongly suggested that you contact an Efinity Mortgage Licensed Financial Professional for a further explanation to these products.
There are several characteristics to ARM loans.
They include the Index, the Margin, Change Caps, Payment Caps, and lifetime Caps.
We'll do our best to summarize but it's strongly suggested that you contact an Efinity Mortgage Licensed Financial Professional for a further explanation to these products.
Competitive interest rates.
Favorable loan terms.
No required down payment.
VA loan programs help eligible veterans and active duty service members become homeowners and provide refinance options to those with existing mortgages.
A VA home loan with no required down payment and favorable loan terms for Active Duty Service members, Veterans, Reservists, National Guard members, surviving spouses, and certain other individuals who meet eligibility requirements can use VA loans to purchase homes or refinance existing mortgages.
Favorable loan terms.
No required down payment.
VA loan programs help eligible veterans and active duty service members become homeowners and provide refinance options to those with existing mortgages.
A VA home loan with no required down payment and favorable loan terms for Active Duty Service members, Veterans, Reservists, National Guard members, surviving spouses, and certain other individuals who meet eligibility requirements can use VA loans to purchase homes or refinance existing mortgages.
Reverse Mortgages are a popular choice for homeowners who've built equity in their respective home.
Marketed as a financial tool, Reverse Mortgages are designed by the federal government as a form of financial relief for homeowners 62 and older.
It allows seniors to stay in their home, eliminate their current mortgage payment, and access their equity - tax-free!
Unlike traditional "forward" home loans or second mortgages, no repayment is required until the homeowner(s) no longer occupies the property as their primary residence.
Marketed as a financial tool, Reverse Mortgages are designed by the federal government as a form of financial relief for homeowners 62 and older.
It allows seniors to stay in their home, eliminate their current mortgage payment, and access their equity - tax-free!
Unlike traditional "forward" home loans or second mortgages, no repayment is required until the homeowner(s) no longer occupies the property as their primary residence.
A Cash-Out Refinance of an existing mortgage can provide the money you need at an attractive interest rate and payment.
Boost your home's value.
Transform home equity into cash.
Avoid high-interest debt.
Home equity loans allow you to borrow against the value of your home.
Each state has different laws which limit the amount of equity a homeowner can access.
Home Equity loans appeal to borrowers because they can borrow relatively large amounts of money, and they are easier to qualify for than other types of loans.
Boost your home's value.
Transform home equity into cash.
Avoid high-interest debt.
Home equity loans allow you to borrow against the value of your home.
Each state has different laws which limit the amount of equity a homeowner can access.
Home Equity loans appeal to borrowers because they can borrow relatively large amounts of money, and they are easier to qualify for than other types of loans.
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