Welcome to Gemini Funding Corp., We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. We know that each customer has specific home loan needs, so we strive to meet those specific needs with a wide array of loan products, investment tools, mortgages, and best of all quality service and individual attention.
Todays technology is providing a more productive environment to work in. For example, through our website you can submit a complete on-line, secure loan application or pre-qualifty for a home loan. You may also evaluate your different financing options by using our interactive mortgage calculators and going over various mortgage rate and option scenarios.
We work with clients on many home types and include options for clients with low credit scores and zero down mortgages. We will work hard to find you the best available mortage rate for you!
Todays technology is providing a more productive environment to work in. For example, through our website you can submit a complete on-line, secure loan application or pre-qualifty for a home loan. You may also evaluate your different financing options by using our interactive mortgage calculators and going over various mortgage rate and option scenarios.
We work with clients on many home types and include options for clients with low credit scores and zero down mortgages. We will work hard to find you the best available mortage rate for you!
Services
The first step in obtaining a loan is to determine how much money you can borrow.
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Should you get a fixed-rate or adjustable rate mortgage?
A conventional loan or a government loan?
Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
Should you get a fixed-rate or adjustable rate mortgage?
A conventional loan or a government loan?
Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice.
We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances.
All examples are hypothetical and are for illustrative purposes.
We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Gemini Funding Corp. has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances.
All examples are hypothetical and are for illustrative purposes.
We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Gemini Funding Corp. has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan.
It may be a viable option even if the interest rate difference is only 1% or less.
Any reduction can trim your monthly mortgage payments.
Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month.
Your savings depends on your income, budget, loan amount, and interest rate changes.
It may be a viable option even if the interest rate difference is only 1% or less.
Any reduction can trim your monthly mortgage payments.
Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month.
Your savings depends on your income, budget, loan amount, and interest rate changes.
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