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It's Pretty Simple: Low Overhead + Low Margins = Low Rates! (Don't Overpay For Your Mortgage!)

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It's Pretty Simple: Low Overhead + Low Margins = Low Rates! 26 years ago, after working for large banks and mortgage banking companies, I figured out how to operate a mortgage company using a business model which allows us to offer ultra-low interest rates for our clients. By receiving Wholesale Interest Rates, and as the sole-owner/loan officer, I personally control our pricing model which keeps our rates very low versus the competition. We have cut out the extra layers of loan officer commissions, advertising costs, office salaries, rent and ancillary expenses and pass these savings on to our clients via lower rates. We also offer Free Rate Hedging, Floatdowns and Relocks which takes away the worry on when to time the rate lock and ensuring the lowest rate at closing. CLICK HERE FOR A QUICK COMPARISON We are extremely aggressive on Jumbo, Conforming and High Balance Fannie Mae/Freddie Mac, Non-QM, Reverse, USDA, FHA and VA saleable loans. If you have any questions please contac...
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In-House Direct Bridge Loans Available (purchase before selling and remove contingency)

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We offer Bridge Loans for borrowers who want to purchase a new property prior to selling their current property.  Great rates, flexible terms and no upfront cost or monthly payment options available!   * Purchase without a contingency *No need to liquidate savings or stock accounts *Options to defer monthly payments *Cross-Collateralization options      Bob McCormick, President Toll Free 800 328-0144 Email- McCormickLending@gmail.com To see how we operate differently visit us at: www.McCormickLendingGroup.com 14362 N Frank Lloyd Wright Blvd 1000 Scottsdale, AZ 85260 23 Corporate Plaza Dr. #150 Newport Beach, CA 92660  mb0903631 nmls175743 nmls179756 Cadoc603J043 Equal Housing Lender
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Free Rate Hedging and Market-Based Relocks!

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  Since 2000 we have been a 100% independent mortgage company using a business model which allows us to offer our clients ultra-low interest rates . By receiving Wholesale Interest Rates, and as the Sole-Owner/Loan Officer , I personally control our pricing model and our loan placements. We have cut out the extra layers of loan officer commissions, marketing fees, processing fees, advertising costs, office salaries, rent and ancillary expenses and pass these savings directly to our clients via lower margins, rates and costs . We also hed ge lenders daily , which allows us to lock and relock at lower market-based rates if there are market improvements. But, if interest rates rise after the initial lock, w e are safe and our clients are hedged. Contact me directly for any scenario or pricing questions. Bob McCormick, President Office 800-328-1044 Email McCormickLending@gmail.com www.McCormickLendingGroup.com 14362 N. Frank Lloyd Wright Blvd. #1000 Scottsdale AZ 85255 -  23...
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First-Time Home Buyer Government Programs for 2026

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First-Time Home Buyer Government Programs for 2026 Buying your first home can be challenging, especially when it comes to getting approved for a mortgage and coming up with the down payment. Thankfully, there are plenty of first-time home buyer government programs that can make things easier. Government loans for first-time home buyers There are several government loan options that are worth exploring if you need a little extra help qualifying for a mortgage: FHA loan:  580 credit score, 3.5% down HomeReady and Home Possible:  620-660 credit score, 3% down VA loan:  580-620 credit score, 0% down USDA loan:  640 credit score, 0% down FHA home loan FHA loans can help if you can’t afford a traditional 20% down payment or have a less-than-perfect credit score. You can put down as little as 3.5% at closing with an FHA loan.  These loans have more flexible underwriting standards and are insured by the Federal Housing Administration and issued by an FHA-approved lender...
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Why Your Current Loan Servicer or Bank May Not Offer You The Best Rates

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Low Overhead + Low Margins = Low Rates  A question that I am often asked is how I can offer a lower rate than the homeowner's current lender/servicer? As a wholesale broker and owner, I receive wholesale rates which are generally .25%-.50% lower than what a homeowner's current loan servicer will offer directly as they price rates as "retail" and not "wholesale". Their hope is that the homeowner does not question the fact the loan servicer is only handling the mortgage payments (most of the time Fannie Mae, Freddie Mac, HUD or VA owns or insured the loan) and a  brand new loan  has to be originated on any refinance.  If you have any questions or would like to make sure that you are in the best mortgage available feel free to contact me.  And, as always, your referrals are greatly appreciated!   Bob McCormick, President   Toll Free 800-328-0144   Email-  McCormickLending@gmail.com Visit us at  www.McCormickLendingGroup.com
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Updates To Our Super Jumbo Loans Are Now Available!

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Updates To Our Super Jumbo Loan Option If you have any questions please contact me today. Visit us at www.McCormickLendingGroup.com Bob McCormick, President Office 800 328-0144 Email McCormickLending@gmail.com 14362 N. Frank Lloyd Wright Blvd. #1000 Scottsdale, AZ 85260 23 Corporate Plaza Dr. #150 Newport Beach, CA 92660 "Don't Overpay For Your Mortgage" nmls 175743 azmb 0903631 cacfl 603J043 Equal Housing Lender
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Portfolio Underwriting Qualifying (Outside of the Box)

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We utilize our same low cost pricing model for these loans as well: "Non-QM" Portfolio Underwriting Options  12 or 24 month bank statement income options Asset Depletion for Income Bank Statement Balance = Loan Amount  Alternative Income (1099 only, employment verification form, ITIN) Debt Service Coverage Ratio (DSCR) Use Lease Agreement for Qualifying P&L Only Foreign National  Credit score as low as 620 Loans up to $4,000,000 Contact me with any questions Bob McCormick, President   Toll Free 800-328-0144   Email-  McCormickLending@gmail.com 14362 N Frank Lloyd Wright Blvd #1000 Scottsdale, AZ 85260 23 Corporate Plaza Dr. #150 Newport Beach, CA 92660  mb0903631 nmls175743 nmls179756 Cadoc603J043 Equal Housing Lender
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