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Monday, October 19, 2015

Are you prepared when rates rise? Are you in the best mortgage that you can obtain?

 
Rates on mortgages are still very low, but we know that at some point rates will go higher as the Fed starts implementing their rate increases. 
 
Is the rate over 4% on your current mortgage?
 
Do you have an adjustable rate mortgage and want to fix in your rate to be safe?
 
Do you want to stay in your home and need cash for improvements/upgrades?
 
Do you have a second mortgage and want to look into consolidating both loans?
 
 
Right now is the best time in years to complete a quick mortgage check-up before time runs out! 
 
 
 
Bob McCormick, President
 
Toll Free 800- 328-0144
Or
MortgageQuest@cox.net
 

Sunday, October 4, 2015

Self-Employed? Credit Issues? Prior Short Sale or Foreclosure?

 
Self-Employed and have issues with debt ratios/lack of income on tax returns?  Credit Issues?  Prior Short Sale or Foreclosure?
 
As a full service mortgage company we also offer Alternative loan programs for borrowers that do not qualify under the standard Jumbo or Fannie Mae/Freddie Mac or FHA guidelines.   Most large banks and banking companies prefer not to offer these programs, but we do.  A few options are:
 
No Income Verification options for self-employed borrowers on owner-occupied homes
 
No Fico Score Programs
 
580 Fico Scores for FHA loans (FHA Portfolio Guidelines)
 
Bridge Loans for client's that need/want to purchase prior to selling current home
 
Foreclosure or Short Sale?  We have loan programs that can help you qualify after 1 day
 
 
For these, or any loan question or price quote, please do not hesitate to contact us.
 
 
Bob McCormick, President
 
Toll Free 800-328-0144