Offering Our Clients Discounted Wholesale Rates Since 2000

Wholesale vs. Retail Mortgage Rates Explained We work with several banks and mortgage wholesalers that allows us to shop rates for our clients.  Being that we do the origination and processing for these sources we receive Wholesale Rates which are discounted from Retail Rates (rates offered from bank branches, direct mortgage lenders, current loan servicers etc.). There can be a large variance (both positive and negative) between lenders on a daily basis regarding the Wholesale Rate that they offer as they compete for market share.  Being that we have several sources to choose from for our client we always have aggressive pricing options. Once we close a loan for our client the loan is then serviced by the bank, lender or servicing company.  The majority of the time they have an internal Retail division that may re-solicit the client for future business. They will make it seem that they can "streamline the mortgage process" as they currently have the loan in their s...

  Debt Consolidation Refinance A debt consolidation refinance allows you to pay off high-interest credit card debt, medical bills, student loans, and any other loan balances that you carry (as well as utilizing home equity for home improvement projects) to lower the overall interest and maximize monthly cash flow. This can be achieved by either combining all debts into a new first mortgage or by taking out a new second mortgage (loan or home equity line of credit).   There are certain situations where combining all debt into a new first mortgage can be financially beneficial, even if the first mortgage rate is very low. If you have any questions or would like an amortization breakdown scenario generated just let me know. To see how we operate differently visit us at: www.McCormickLendingGroup.com     Bob McCormick, President Call Toll Free 800 328-0144 Email- McCormickLending@gmail.com Residential - Commercial - Business Lending 14362 N Frank Lloyd Wright Blvd 1...

2025 Fannie Mae and Freddie Mac Conforming Loan Limits are Now Available! $806,500! 3% Minimum Down Payment For Owner Occupied Owner Occupied, Second Home and Investment 620 Minimum Fico Score Contact Us With Any Questions  www.McCormickLendingGroup.com   Bob McCormick, President Call 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 "Don't Overpay For Your Mortgage!" mb0903631 nmls175743 nmls179756 Cadoc603J043 Equal Housing Lender

                                         Life Insurance Company Commercial Mortgage Loan Options (Easier Loan Process than Government or CMBS Loans) "Lifeco" loans, or loans from life insurance companies, are  a type of commercial real estate financing that offer mid to long-term, fixed-rate, and non-recourse options , often with lower rates and longer amortizations than other commercial real estate loans.   Here's a more detailed breakdown: Key Features of Lifeco Loans: Long-Term Financing: Lifeco loans are typically designed for long-term holding periods, often with terms exceeding 10 years, sometimes up to 15 or 20 years.   Fixed Interest Rates: Interest rates are usually fixed at the time of the loan application, providing borrowers with greater certainty and predictability.   Non-Recourse: These loans are generally non-recourse, meaning the len...

As the owner of Mortgage Quest I personally control out pricing model.  This allows us to offer extremeiy low margins and costs on our Reverse Mortgages helping preserve as much equity as possible over the life of the loan. Equity disbursement is Tax Free With the Fixed rate option the rate never changes and does not have the 2% financed FHA Mortgage Insurance Use equity for Tax Free Liquidity versus liquidating asset accounts  For borrowers over 55+ years old looking to purchase or refinance Only have to qualify to prove ability to pay annual property taxes and insurance Borrowers always keep title to their home No Prepayment Penalty To see how we operate differently visit us at: www.McCormickLendingGroup.com     Bob McCormick, President Call Toll Free 800 328-0144 Email- McCormickLending@gmail.com Residential - Commercial - Private - Reverse 14362 N Frank Lloyd Wright Blvd 1000 Scottsdale, AZ 85260 23 Corporate Plaza Dr. #150 Newport Beach, CA 92660   ...

  A mortgage buydown, also known as a mortgage rate buydown, involves paying an upfront fee in exchange for a lower mortgage interest rate. The rate reduction can either be temporary or permanent, depending on the buydown type.   There are several types of buydowns. Here’s an overview of some of the most common mortgage buydown options. →   2-1 buydown . A 2-1 buydown agreement provides a lower interest rate for the first two years of your  mortgage. Typically, your rate is reduced by 2 percentage points in the first year and 1 percentage point in the second year, which is how this type of buydown gets its name. You’ll pay the full interest rate starting in the third year and for the rest of the loan term. →   3-2-1 buydown . With a 3-2-1 rate buydown, you receive a lower interest rate for the first three years of your home loan. Your rate is reduced by 3 percentage points in year one, 2 percentage points in year two and 1 percentage point in year three. F...

Home Equity Line of Credit and Fixed Rate Home Equity Loans Available Utilize home equity without refinancing your first mortgage for high interest rate debt consolidation, home improvement, college tuition, etc . CLTV' s to 95% and DTIs to 50% on owner occupied homes 85% CLTV on investment properties & second homes Adjustable rate HELOCs, fixed rate Home Equity Loans Piggyback purchases & refis, standalone 2nds, and 1st lien HELOCs Maximum Line/Loan Amount is $500,000 If you have any questions regarding these or any other mortgage option please let me know. Visit us at  www.McCormickLendingGroup.com Bob McCormick, President   Toll Free 800-328-0144   Email-  McCormickLending@gmail.com Residential-Portfolio-Private-Reverse 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

  Interest Only Jumbo Loan (30 Year Fixed with 10 Year Interest Only Period) *Lower Monthly Payments *Owner Occupied or Second Home *Loan Amounts from $766,551 to $3,000,000 *Loan to Value up to 80% *Single Family, Condo and Townhome  If you are interested in discussing this loan option or any other mortgage need, please contact me today. Bob McCormick, President Toll Free 800 328-0144 Email- McCormickLending@gmail.com www.McCormickLendingGroup.com     14362 N Frank Lloyd Wright Blvd 1000 Scottsdale, AZ 85260 23 Corporate Plaza Dr. #150 Newport Beach, CA 92660

  We offer J umb o Reverse  mortgages (HomeSafe *  for age 55+) - loan amounts  up to $4 million , and  principal limits as low as $200,000 !   HomeSafe Jumbo Reverse * : lower rates and higher LTVs. It’s worth a look! Prrograms to offer your senior clients: Reverse Opportunities:  FHA HECM, Reverse Jumbo, Stand-alone Reverse 2 nd  and EquityAvail (Hybrid Reverse). Purchase or Refinance, Fixed or Adjustable rates with a line of credit. To see how we operate differently visit us at: www.McCormickLendingGroup.com     Bob McCormick, President Call Toll Free 800 328-0144 Email- McCormickLending@gmail.com Residential - Commercial - Portfolio - Private - Reverse 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

  Conventional, FHA and VA financing options on manufactured homes We’re giving you another affordable path to owning your dream home. With higher rates and home prices, manufactured homes can be a smart choice. • Today’s manufactured homes are modern and customizable, designed for year-round living and made with quality products and materials. • Manufactured homes can be built faster and typically offer cost savings compared to traditional homes. Take advantage of affordable financing: • Savings: A manufactured home’s mortgage rate can be lower than many other loan options for a manufactured home. • Longer terms: You can choose longer term options compared to a personal loan. • More purchase power: With a manufactured home mortgage, you can borrow more moneyversus a personal loan, giving you more financial flexibility. Feel free to contact me with any questions   Visit us at  www.McCormickLendingGroup.com Bob McCormick, President   Toll Free 800-328-0144 ...