Mortgage Broker Monmouth County NJ | Mark Zacharczyk of Guaranteed Rate

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Learn More About Mark Zacharczyk:

Buying a home and taking out a mortgage in New Jersey can seem like a daunting proposition. It is actually not that hard when you choose the right mortgage lender. Mark is happy to help guide you and your family into the home of your dreams.

Full Video Transcript:

In the world of real estate and mortgage finance there is one constant, and that constant is that this business is always changing. I’m a mortgage professional right here in beautiful Monmouth County NJ that is ready to be your guide in this dynamic financial environment, and help you and your family translate into the home that you love.

My name is Mark Zacharczyk, i’m the Vice President of Mortgage Lending for Guaranteed Rate. We are a top ten national lender, and it’s my job to help my clients navigate through the maze of lending and home financing. I love what I do. We decided that we were looking for a company that provided a lot of services to both the client and the referral partners. So Guaranteed Rate after months and months of research, just came out on top – It wasn’t even close.

We offer a vast array of Mortgage Programs with as little as 0% and 1% down and are rates are very very low, so my clients save quite a bit as well. The process works when you come in and get referred to me, my goal is to get you pre-approved. I want to talk to you, listen to what your goals are; how long you want to stay in the house, talk about your job, talk about anybody else who might be having an interest in the property. You get the best of both worlds when you come to me for your mortgage application. I’m able to shop the best lenders and do it in a way that’s quick and I get you the best rate that’s available – that’s a really great help.

In addition I’m able to process the loan in-house, we do most of the underwriting in our own offices through our own underwriters. So you are getting the broker experience in terms of the pricing, and you’re getting the banker experience in terms of the way the loan is processed. People are much more amenable to the process when they understand why they are doing what they are doing. My ability to not only set those expectations but also explain to people why we are asking for a particular document is really what sets me apart. I enjoy helping people i’m very understanding, somebody who appreciates what it means to buy a home and to be able to attain and acquire that asset, and the importance it means to your family.

The process of taking out a mortgage can be very stressful, and choosing the wrong lender can cost you money, and even worse the home you love. The key is to work with someone who is well known in the community, has a working knowledge of the lending guidelines – but has common sense with the knowhow to get the deal closed. Someone who has the experience, works hard, and most importantly – knows how to communicate with all of the parties in a professional manner – I am that guy. I will get you to the closing table with no surprises and everyone is very happy with the experience.

When you choose me as your lender, you guarantee yourself the best chance to secure your home. On the day of closing you will be able to hug your loved ones in congratulations, and relish in the beauty of the next chapter of your life and your family. Call me today, and with the resources I have at my disposal, with Guaranteed Rate and the service I love to give – you will be glad you did.

Mark Zacharczyk
Vice President of Mortgage Lending
Office: 732-784-2794
Cell: 732-754-0056
Fax: 872-206-4140

4000 Route 66, Ste 123A
Tinton Falls, NJ 07753

NMLS ID: 142609 NJ -9948681 – Licensed, PA – 22337 – 20371
NMLS ID #2611 (Nationwide Mortgage Licensing System
NJ – Licensed in NJ: Licensed Mortgage Banker – NJ Department of Banking & Insurance
PA – Licensed by the Pennsylvania Department of Banking and Securities Lic# 20371

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Home Loan – Getting The Best Deal

With credit issues, you can still receive a refi with a sub-prime loan. Home loan rates for long-lasting loans will significantly rise in due time. However do they know at what rates of interest they get charged?

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Purchasing a home can be a scary feeling, especially if you’re a newbie homebuyer. The terminology is frequently new, the documents is over the top, and the individual you are working with to cement your loan can either have your benefits at heart or sell you down the river. The importance of selecting your home loan lending institution in Wisconsin sensibly can’t be highlighted enough, due to the fact that you will be providing this individual the power to conserve you a lot of money over the next 15-20 years. For that reason, there are some tips you need to know that will help you choose the ideal lending institution.

With your bad credit, you may wish to check out the chance of the Federal Real Estate Administration, FHA, where people with credit as low as 580 can obtain top mortgage originators loans with full funding. There are other options such as seller funding and lease with option to purchase.

Sub-prime lending institutions provided sub-prime loans up to 100% of the worth of a residential or commercial property, even to people with bad individual credit rating. This was simple money to get due to the fact that of the flood of sub-prime home loan loans into America from other markets. However with simple money and large fees and profits to be made on every sub-prime home loan that was underwritten – sub-prime read more offered money to the wrong people. And now those people can’t repay their home loans.

Concern # 2: Am I paying off my home loan as quick as possible? Some lending institutions charge a great if debtors pay extra on their home loan. Nevertheless, that fine could in some cases still come out less than what your monthly home loan plus interest remains in the long term. Try paying more than what you’re supposed to pay each month. If you can’t manage to pay extra every month, attempt paying extra every quarter or even once a year (e.g., on the anniversary of your home loan).

You will pay less interest if you pay off your home loan in 15 years as opposed to thirty years. Nevertheless, you may pay a lower rates of interest if you select a thirty years home loan instead of a 15 or twenty years home loan. A home mortgage calculator can help you strike the ideal balance in between making a payment you can manage while not paying more interest than you need to throughout the loan.

Also, online lending institutions frequently have lower rates and fees. Because they do not need to focus as much on a brick-and-mortar business or the various expenditures that feature a structure, their overhead is lower, and they can pass the cost savings along to you.

As you can see, when you come down through all of the documents and concerns, you’ll find that getting a mortgage isn’t as hard as you pictured it was. Just be honest and learn more here all of the details the lending institution requires, and you’ll be living in your new house prior to you know it.

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Use your Tax Refund – Yes put the entire refund towards your Mortgage payment. Ask as many concerns as you need to, as sometimes as you need. Prepare a leading notch sales script to succeed.