Simply Mortgages; The Next Generation of the Mortgage
Posted by Top Home Loans in Mortgage Advice on August 21, 2010
Mortgages are too Complicated
We hear you. Mortgages are way too complex, even for those in the industry. Our goal is to simplify the mortgage experience with Simply Mortgages. No rate shopping needed. No complicated math or rates. Just simply the best mortgage experience.
What you want from your Mortgage
- The Lowest Interest Rates
- A dedicated, proactive Mortgage Planner working with you through the Life of the Mortgage
- Your Mortgage paid off FAST
- A Easy, Stress-Free Mortgage Process
- A Resilient Mortgage that changes like you do
- No difficult Choices, a Mortgage Planner that knows what is right for you
We Fight the Bank, so you don’t have to
The banks what to keep you in debt forever, we want you to be debt free as quickly as possible.
We Make the Banks Compete for You!!
Our Proven Results
- Over 40 lenders competing for you
- Over 100 million in mortgages funded annually
- Thousands of your neighbors mortgages managed
- A proven team of Skilled Professionals working for You
- Want more? Our Numerous Testimonials
No Complicated Applications
No need to answer a thousand questions, we just need to know simple information from you. Our applications are quick and easy. Please leave your information below to be contacted by a mortgage professional.
Get Started Now
Save your Mortgage from the Bank. Simply Mortgages can Help!
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Top Home Mortgage Loan – Main Navigation
Posted by Top Home Loans in Off-Topic on November 28, 2008
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Save your Mortgage from the Bank. Simply Mortgages can Help!
How does your Credit Rating Effect your Mortgage?
Posted by Top Home Loans in Credit Information, Mortgage Advice on September 3, 2010
If your a good credit user, then you should have a rough estimate of what your credit score is. For many, they do not know what their credit score is; however, it is critical that you know what yours is because it can make many differences on your mortgage.
All banks have credit requirements. If you are under a certain requirement on your credit report, then the bank will not even consider you. The bank will just automatically decline your mortgage with no questions asked. Banks with the best rate will require a higher threshold for the client’s credit bureau rating. If you have a bad credit score, then you can usually still get approved for a mortgage, but you will have to pay a premium on your interest rate.
Credit Scores can Impact Programs you Qualify for
For many borrowers, they want to be approved for their mortgage while providing as little documentation that is required. It is a hassle to look for old income documents that you may no longer have, so it is easier not to have to collect these documents. If you have a higher credit score, then the bank can sometimes waive this condition; however, if your credit score is very bad, then you will need to collect your income documents everytime that you apply for a mortgage. It is best to keep your credit in good standing to avoid extra work.
Getting Approved, and being Declined
Credit scores have the greatest impact on whether you will be approved or declined for your mortgage. If your credit score is too low, then you won’t be able to get approved anywhere. The higher your credit score, the more doors you will have open and available to get your mortgage approved.
Special Programs, What are they?
Many mortgage insurers have special programs that you may want to take advantage of. These programs can range from renovating your property to getting discounts on your mortgage insurance premium. You want to be able to get access to as many programs as possible, so make sure that your credit rating is very strong.
A strong credit rating is essential to getting a mortgage approved. It is also essential to getting the best mortgage rates. Make sure that you are constantly improving your credit score.
What is your credit score rating? How do you keep your credit score at the level it is at? Leave your response in the comments below.