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Here is a list of questions our mortgage brokerage firm often
encounters. A mortgage brokerage firm has loan officers who will
find the best loan program to suit your financial needs and
concerns. A mortgage broker represents numerous wholesale
lenders and typically searches for the best program and rates to
suit your particular needs.
Why You Should Consider A Licensed Mortgage Broker?
Here are the top 11 reasons: |
- A Licensed Mortgage Broker has the resources of many lenders, including banks and mortgage companies, to offer a variety of products, with wholesale pricing.
- A Licensed Mortgage Broker Is governed and regulated to be in compliance with all state and federal laws.
- A Licensed Mortgage Broker is trained and tested to measure their competency prior to receiving their license.
- A Licensed Mortgage Broker works for you - The Client.
- Mortgage Brokers account for 65% of all mortgage loans.
- Mortgage Brokers represent the borrower, not the lender.
- Mortgage Brokers have access to hundreds of lenders, who offer their loans at "wholesale rates".
- Mortgage Brokers have access to a wide variety of loan programs, so as to deliver the borrower the best program for their needs.
- Mortgage Brokers take over the tedious job of shopping various lenders to find the best loan for the borrower.
- Mortgage Brokers guide the lender through all of the loan process, from application, through funding.
- Mortgage Brokers take the "pain" out of looking for loans, when the borrowers have special circumstances that make getting a loan more difficult.
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What types of loans do you make?
This is a broad question with many answers. Below is a sample of loan products we offer: |
- Loans with no equity in the home.
- Loans up to 125% of appraised value.
- Fixed and adjustable rates are available.
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- Loans for self employed.
- No-income verification loans.
- Loans for previous foreclosures and bankruptcies.
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The list goes on. All loans are subject to certain credit criteria and guidelines. However, all credit will be considered. |
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Is the interest on your loans tax deductible?
Typically, yes. However, every persons tax situation is different and consulting your tax advisor would be advisable.
What states are you currently servicing?
Currently Georgia, Alabama, South Carolina and Mississippi.
Are phone applications welcome?
Yes! We encourage our customers too apply by phone or by our secure online form for their convenience.
Is your company licensed?
Yes! We are a Georgia Residential Mortgage Licensee.
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A recent study revealed that independent mortgage were responsible for the origination of 70 percent of all mortgages in 1998. This is the highest percent of
the market share ever for independent mortgage brokers. Americans that wish to become homeowners now have the best chance ever.
You may need a mortgage broker if you: |
- Would like help finding and comparing deals. Even the best borrowers can benefit from a mortgage broker by having a variety of available mortgage options.
- Have had credit problems. If your ability to borrow is less than stellar, a mortgage broker can help find a more suited lender.
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