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Mortgage

Loans

Learn more about how we can use our expertise to get you the best Mortgage rates and more.

WITH OUR EXPERTISE, WE GET YOU THE BEST MORTGAGE RATES AVAILABLE TO MAKE SURE YOUR PAYMENTS ARE AS LOW AS POSSIBLE.

Loan Programs to Fit Your Needs

We have great fixed rate programs, ARMs, FHA, VA and just about any other type of loan you can imagine.

Getting the Right Rate

Everybody wants the lowest rate. It makes sense, right? The lower rate means lower payments.

There are a number of ways to secure a lower rate than what might be advertised, but you have to be careful.

Here are some ways to find a low rate:

→ Consider an adjustable rate mortgage. How long will you be in your home? If it’s a shorter period of time, you might want to consider an ARM that gives you a lower fixed rate for, say, 5-7 years.

→ Consider paying points. Points are basically percentage points. When you buy 1 point, you are paying to lower your rate from say, 6 to 5 percent. This gives you lower rates over the life of the loan. However, when you pay a point, you add 1% of the total loan amount to your closing costs. You have to weigh the up front costs against the long-term savings to decide if buying the rate down is worthwhile.

→ Use a reputable company. It’s worth it to use a sharp broker that has multiple relationships with banks. They can shop around for you in ways you don’t have access to and can find obscure, low rates that might be otherwise impossible to find.

→ Go with an FHA loan. These government-backed programs usually have some of the best rates on the market. They are tougher to get, though, as standards tend to be more strict than what a private bank would adhere to.

It’s more important that you get a product that fits your needs than just grabbing the lowest rate you find. There are often costs involved with lower rates that, if not carefully considered, might hurt you more than help.

If you want to find a great rate on your refinances or purchase, gives us a call. We have resources across the country and can find you a low rate with the right mortgage program for your needs.

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