Are you looking for today’s rates on a home mortgage loan? Whether you are looking for a purchase, refinance, or cash out loan, we offer low home mortgage rates everyday. We are a small mortgage broker shop. We don’t have a lot of overhead so we are able to pass on our cost savings to our customers by offering them low rates everyday.
Been turned down before by another lender? NO problem! We can help. We offer home mortgage loans on all loan products whether it be an FHA loan, VA loan, Conforming loan, Jumbo loan, Harp loan, Reverse mortgage, or a Fannie Mae Homepath. To us it doesn’t matter whether you have excellent, good, fair, or poor credit. We can still help. We have loan programs available to help borrowers with less than perfect credit scores. However, don’t expect to obtain the exact same home mortgage interest rate as an 800 fico score borrower if your middle fico score is in the 600 range. There is a huge pricing difference in home mortgage interest rates for borrowers with an 800 fico score verses a 600 fico score.
As of May 13, 2015, today’s rates are looking awesome. Now is such a great time to take advantage of our low rates whether it be a purchase, refinance, or cash out loan.
Never bought a house before? No problem! We can help. We will walk you through the home mortgage loan process step by step. So pick up the phone and call us at 602-358-8717. A license loan officer will be more than happy to answer your call and help you get prequalified for a mortgage loan. To qualify though, one does need to be continuously employed for the last two years. We will need a copy of your W-2’s or 1099’s for the last two years. We will need a copy of your paystubs for the last 30 days as well as your last two months bank statements. All of this information is needed in order to prequalify you for a home mortgage loan process. If you have recently switched jobs and do not have a transfer letter, you will need to wait until you have a full 30 days worth of new paystubs from your new employer prior to applying for a home mortgage loan.
How long does the prequalification process take? Typically, it takes 20-30 minutes if your scenario is pretty simple. If you are self-employed, we do have to go through your tax returns to calculate your income so this is going to take a while depending how many schedules your tax return contains.
Our office is open seven days a week so give us a call at your convenience at 602-358-8717 or click on the contact us button and someone will call you back.