We'll help you apply for, compare, and choose a home purchase loan that can make your dream home an affordable reality. Rates are competitive - so it's a great time to buy! We'll help you apply for, compare, and choose a home purchase loan that makes your dream home an affordable reality. Take advantage of today's great rates to possibly lower your monthly mortgage payment, the interest you pay over the life of your loan, or both.
How will you use the money we put back in your pocket? You wouldn't accept the first offer at the car lot, so don't just take your first mortgage offer. Use our rate comparison tool to shop around and find the terms that work best for you. Other lenders giving you the runaround? We strive to fund loans fast to reduce the chance of missing out on the house you really want.
Know where you stand. With your up-to-date property evaluation in hand, you'll be better equipped to choose the loan terms that fit your goals. Take advantage of your home's equity with a cash-out refinance - and put your home loan to work for you.
How will you use the money we put back in your pocket? You wouldn't accept the first offer at the car lot, so don't just take your first mortgage offer. Use our rate comparison tool to shop around and find the terms that work best for you. Other lenders giving you the runaround? We strive to fund loans fast to reduce the chance of missing out on the house you really want.
Know where you stand. With your up-to-date property evaluation in hand, you'll be better equipped to choose the loan terms that fit your goals. Take advantage of your home's equity with a cash-out refinance - and put your home loan to work for you.
Services
Need financing options on a home, or other real estate?
Choosing a purchase loan product that matches your goals and making sure you get the rate for your given scenario can feel like playing whack-a-mole.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49."
This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment).
Choosing a purchase loan product that matches your goals and making sure you get the rate for your given scenario can feel like playing whack-a-mole.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49."
This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment).
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change.
This may be a good choice if you plan to stay in your home for seven years or longer.
If you plan to move within seven years, then stable-rate loans are usually cheaper.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.
As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans.
This may be a good choice if you plan to stay in your home for seven years or longer.
If you plan to move within seven years, then stable-rate loans are usually cheaper.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.
As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans.
This loan is fully amortized over a 15-year period and features constant monthly payments.
It offers all the advantages of the 30-year loan, plus a lower interest rate and you'll own your home twice as fast.
The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment.
Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years.
This approach is often safer than committing to a higher monthly payment, since the difference in interest rates isn't that great.
It offers all the advantages of the 30-year loan, plus a lower interest rate and you'll own your home twice as fast.
The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment.
Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years.
This approach is often safer than committing to a higher monthly payment, since the difference in interest rates isn't that great.
An ARM is an Adjustable Rate Mortgage.
Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically.
The initial interest rate of an ARM is lower than that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is too high.
We're here to make it a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE Adjustable Rate Mortgage Qualifier.
Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically.
The initial interest rate of an ARM is lower than that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is too high.
We're here to make it a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE Adjustable Rate Mortgage Qualifier.
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA).
Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.
We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.
We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
Reviews
Be the first to review Queen Of Mortgages.
Write a Review
