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Hi, I’m DeAnn Ellis with Element Funding….As a homebuyer in today’s fast pace market, you need a competitive edge. You need an advantage that helps your offer stand out from the rest, and we can help you with that edge
I have had the privilege of helping homeowners just like you for over 23 years! With over 100 years of combined experience…my team has the knowledge to help you find the best mortgage product for you and your family.
We specialize in Conventional, FHA, VA, USDA and Down payment assistance programs to finance a purchase and provide refinancing options.
Being a direct lender gives you the advantage over the competition. With Element Express our upfront in house underwriting process makes it easy, so you can focus on finding the right home for you and your family.
With Fast closings, great rates to meet your goals and superior customer service we guarantee that you will close on time making the process seamless for everyone involved.
Ranking top 1% in the Nation year after year we have helped thousands of customers achieve the dream of homeownership.
ottom line, we make the mortgage process easy so you can buy with confidence!
To learn more about the mortgage product that is right for you so you can begin your journey to homeownership call us today 855-Element or go to http://www.ellismortgageteam.com
The DeAnn Ellis Team, Mortgages Made Easy ……
Atlanta Direct Mortgage Lenders, Top 10 Mortgage Lenders in Atlanta Ga.
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Different Type Of Mortgage Rates
The mortgage lender will desire to very your recognition. The normal mortgage takes 30 years to repay. The relief of not having the mortgage burden can have long-lasting health benefits.
I am a Realty Specialist and it is my task to my clients discover the house perfect for them. I set them up with financiers, loan providers, and very first time house buyers programs so they can get the finest loan possible for their scenario. Documentation, documentation, documentation! However over the in 2015 I have had clients ask me how can they settle their home loans quicker? What is the finest way to save money on interest payments?
A low credit is a result of non-payment of loans, defaults and county court judgments and so on. Lenders are generally cautious of people with low credit rating. refer to this page for more tips loan providers fear that an individual who has actually not repaid his loan earlier might once again stopped working to do so and therefore they charge greater interests to cover the risk. In addition, numerous loan providers request securities to be deposited. However, if you don’t have any collateral, you can still get a bad credit loan from the market.
Refinance-Interest rates still at all time low!-that’s ideal, rate of interest on house read this stay as low as they have remained in a really long time. Lower rates indicate lower payments for your mortgage. Lower mortgage payments indicates more non reusable earnings. Which indicates more cash circulation for you. How low are rate of interest right now? As of July 27th,2011 a 30yr fixed rate was offered at 4.68%APR. A 5yr ARM was offered at a rate of 3.058%APR.
Try to adhere to a recognized lender or mortgage broker. There are still too numerous deceitful loan providers in the market right now though. In reality, it can be tough to sift through all the different loan providers that are out there.
Refrain from overemphasizing your earnings and understating your expenditure. It is illegal to lie about your earnings on a home mortgage application. Bear in mind that loan providers will bring out checks to ensure you are able to make your payments each month.
With a reasonable credit rating, you can discover rates just a couple of points greater than the typical traditional rate. You can likewise buy points to decrease your rates. ARMs are another way to keep rates low, at least in the beginning.
The essential thing is to discover a lender that provides the kind redirected here loan you desire such as FHA and VA loans, as well as offer the finest rate of interest for your scenario. However you have to be sensible. You can’t expect the exact same competitive interest rate as someone with best credit if your credit is not so excellent. However some loan providers want to loan cash to dangerous financial investments and some are not.nSo look around and see what loan providers are out there for you.
These brokers will assist you through all the loan process. It has more than thousand branches spread out throughout the world. No such techniques are ever utilized by the Christian mortgage lenders.