Posts Tagged interest rates

Simply Mortgages; The Next Generation of the Mortgage

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

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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.

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10 Things an Excellent Credit Rating can do for you

Everyone knows that having a good credit rating is important; however, can an excellent credit rating get you more than a good deal on credit cards? The following is 10 perks to having good credit:

1. Job and Career Offers – some companies specifically search out potential staff that have really good credit ratings. Good credit ratings and naturally correlated to good employees.

2. Home Purchasing – If you are like most people, when you purchase a property you are going to need a mortgage. If you have a poor credit rating, then it is highly unlikely that you will be able to get approved for a mortgage.

3. Better Interest Rates – Banks will offer you better rates and special promotions when you have a higher credit score. Most of these offers are not available to the public, so be sure you keep your credit rating high.

4. Instant Access to Deposits – For many people, you have to wait 5-7 days to access the funds from your deposits at the bank machine. If you have very good credit, then the bank will allow you access to the funds right away. If you don’t, then you will have to wait for access.

5. Special Lending Accounts – Most people can’t get access to overdraft, lines of credit, and prestige credit cards. If you have good credit, then you will be able to get access to all of these accounts.

6. Significant Other – Most people look for a spouse who can get approved for credit. If you don’t have credit, then a spouse may view you as a bad catch, and they would not pursue a relationship with you. Credit is needed for relationships.

7. Maintaining Employment – Some employers will check their employees credit from time to time to monitor how they are performing. If they notice something negative, then they may need to have a discussion with you.

8. Cell phone, cable, utilities – You need credit to be able to get access to some of these necessities of life. If you do not have credit, then you may get declined for these necessary services.

9. Higher Investment returns – Banks have special deals that they give to their best clients. They judge their best clients as those with excellent credit scores. Make sure you are getting these offers.

10. Job Scouting – some employers only offer jobs to employees they scout. How do they find people to scout? Many of them look at your credit bureau to find you. If you have a bad credit bureau, then you won’t be found.

The impact of a good credit bureau on your life is critical. If you don’t have a good credit bureau, then this could negatively impact your life. Make sure your credit bureau is as high as possible.

What is your credit score? What impact has your credit had on your life? Leave your response in the comments below.

Save your Mortgage from the Bank. Simply Mortgages can Help!

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Save more with the Strategy of Refinancing Mortgage

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Guest Post from MortgageFit.com

The ease of refinancing mortgage has made more people to opt for this available option. There are many mortgage companies online that can provide with some quick quotes and some added advantages. Refinancing simply implies getting a new loan that is more affordable and comes with lower interests rates. The new loan would be secured on same property as the old loan. Refinancing mortgage comes as the best option for all those who wish to stay in their current home for a period of more than three years.

Many sites are now offering a mortgage calculator, which makes it easy for anyone to calculate how much they can save with the refinancing deal.

Advantages of mortgage refinancing

Refinancing mortgage has many advantages that certainly tell us why people are opting for this option.

1.A lower interest rate: If you are going for refinancing mortgage, it helps you to lower interest rates and you save a lot.

2.Fast payments: The other benefits of refinancing mortgage would be that it could help you pay your mortgage quickly though it would come up with higher interests.

3.Various options: Mortgage refinance comes with many options and it is up to an individual to choose the one that fits best on their current economic status. For instance, to save from the burden of paying monthly installments on two separate loans refinancing mortgage could combine them into single loan with less installment then the two individual loans combined.

4.You can borrow more: The other benefit that lures people into refinance is the option to borrow more than current loan. The extra money can be used to pay off installment loans or credit card balances. Refinancing mortgage thus, helps an individual to cash on their equity as well as modify the terms of the current loan.

Types of mortgage refinancing

There are a number of ways through which the mortgage can be refinanced, which can be categorized into- low credit refinance, streamline refinancing, mobile refinance, cash-out refinancing or term rate refinancing.

Depending on the particular need one can decide the most favorable loan program. Buying a vacation home would require a 30 year fixed rate loan while adding a room can be done conveniently with cash- out refinance.

Even a low or bad credit can qualify for refinancing mortgage. However, a bad credit can invite higher interests rates than the one on a favorable credit. Before opting in for any refinance option, it is advisable that you get to know all the terms of your new loan. Be aware of the trends and rates prevailing in the refinance market. With so many options, it is best to get quotes from a number of lenders.

Save your Mortgage from the Bank. Simply Mortgages can Help!

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