MORTGAGE CENTER

We understand that purchasing and selecting a new home, investment or commercial property is one of the most important and stressful decisions we make in our lifetime. Most of our clients have questions like:

How much can I afford?
How will some of my past credit issues affect my qualifying?
What will my monthly payment be?
Will my Loan be approved?
Should I go with a fixed or adjustable loan?
Will an interest only loan be right for me?
I’m self employed, can I qualify?
I’m a first time buyer, can I qualify for a zero down payment program?

We do everything in our power to say “YES” rather than “NO”. We will give you an immediate sense of control and help you explore your choices. We will tell you how much of a loan you qualify for, at what interest rate, and what your monthly payment will be. Through your entire loan process, our team of professional loan officers anticipate and handle every aspect of the lending experience to leave you with the piece of mind that there will not be any surprises. Customer service, timely communications, attention to detail, and just plain hard work are the real keys to success in real estate lending.

Our Senior Loan Officer and Team Leader with over 20 years lending experience, will be happy to work with you, one on one, and communicate directly with you through the entire lending process.

FIXED RATE PROGRAMS Some people just like certainty in their life. And though you can't count on the weather, you can count on a fixed rate home loan. It will have the same interest rate for the entire life of your loan. ADJUSTABLE RATE MORTGAGE PROGRAM (ARM) ARM's are attractive because they offer start rates that are lower than the interest of fixed rate home loans. This typically enables you to begin with lower monthly payments and qualify for a larger loan. ZERO DOWNPAYMENT PROGRAM Ideal for first-time buyers, these no-downpayment mortgages can help reduce or eliminate nearly every cost associated with obtaining a home loan. IMPERFECT CREDIT PROGRAMS Allows borrowers with less-than-perfect credit to qualify for purchasing or refinancing a home. NO INCOME VERIFICATION PROGRAMS Allows customers to simply state their annual income without the burden of income verification. 125% EQUITY PROGRAMS Allows customers to borrow up to 125% of the value of their home. This program allows you to borrow money for home improvements, debt consolidation, college tuition, starting a new business or anything you may want. Money invested through a mortgage broker is not guaranteed to earn any interest or return and is not insured.



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $333,700 with closing costs of $6,674. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $333,701 with closing costs of $6,674. Your actual APR may be different depending upon these factors.

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MORTGAGE CENTER

We understand that purchasing and selecting a new home, investment or commercial property is one of the most important and stressful decisions we make in our lifetime. Most of our clients have questions like:

Our Senior Loan Officer and Team Leader with over 20 years lending experience, will be happy to work with you, one on one, and communicate directly with you through the entire lending process.

Sonia Eldar Realtor