- Securing a Lower Interest Rate for an overall Mortgage payment plan
- Shortening the Loan’s Term
- Converting Between Adjustable-Rate and Fixed-Rate Mortgages
Core values
01.
Fast
We are always flexible enough to cover all of your financial needs, whichever those might be. Regardless of whether you’re about to make a first-time home purchase or are trying to refinance your current loan.
01.
Fast
We are always flexible enough to cover all of your financial needs, whichever those might be. Regardless of whether you’re about to make a first-time home purchase or are trying to refinance your current loan.
02.
Flexible
We understand that financial situations, credit scores, and other financially-related things can vary… That is why we employ a flexible, person-centric approach to each individual client who comes for our fiscal help…
02.
Flexible
We understand that financial situations, credit scores, and other financially-related things can vary… That is why we employ a flexible, person-centric approach to each individual client who comes for our fiscal help…
03.
Beneficial
With so many mortgages and loans featuring interest rates that are just outright bad, we’re here to level the field. Thanks to our refinancing and home equity loan programs you’ll be able to take back the control!
03.
Beneficial
With so many mortgages and loans featuring interest rates that are just outright bad, we’re here to level the field. Thanks to our refinancing and home equity loan programs you’ll be able to take back the control!
Meet the Team
Arnold Wallace
Arnold is one of the co-founders. He manages all the processes at our firm.
Derek Zoolander
Derek, just as Arnold, is a Wall Street operative, with incredibly insightful skills…
Tom Marvolo
Tom is also one of our 3 co-founders. He manages our equity loans…
Winthorp Hallelujah
James works the oldest of all non-founding managers. He leads our mortgages dept
Lily Granger
Before assuming this role in June 2015, she served as CEO of our Latin America’s…
Timothy Dumbledore
His global responsibilities include all Consumer and Commercial businesses…
Lionel Hollande
Lionel has an extensive track record of transforming organizations through technology…
Craig Ferguson
After Craig became our Senior Loan Officer, the number of our clients doubled!
Diane Mist
With a top degree and practical business experience of 29 years, Diane is our senior HEL manager
Andrew Cuomo
Andrew is one of our best experts in the mortgage managing…
Ben Edwards
While Ben is our youngest employee, he already manages one department…
Chris Cripsie
Mr. Cripsie earned his degree in accounting at the University of Notre Dame…
faq
A: A mortgage is basically a simple loan that allows you to buy a home or other property by securing the loan against the property you buy. You can read more about our taking a mortgage with us works by visiting our services page.
You can apply for a mortgage from a bank or other financial institution, such as a credit union, building society or specialist mortgage Borrower. We’re a credit union and a special financial institution. Although you can apply directly, using the advice of our independent mortgage specialists might help you find the deal that will be most beneficial for your money interests!
There are many different kinds of mortgage to choose from. All of them have varying features and benefits. Some of the more common types include:
- Standard variable rate (SVR) mortgages
- Fixed interest rate mortgages
- Tracker rate mortgages
A: This depends on a number of factors. Still, Borrowers are typically prepared to lend three times your salary or two-and-a-half times a joint salary.
They will also consider things such as any other source of income from a second job that you’ll prove to them, bonuses, tax credits, and maintenance payments and since lending rules were tightened, they also increasingly investigate borrowers’ ability to repay.
This means looking at your credit history and scoring it, just as well as on your monthly outgoings, examining not just how much you spend but what you spend it on, to help assess your ability to manage should interest rates rise.
Some providers will now offer four-and-a-half times your annual income – but the more you borrow in relation to your income, the more likely you are to fail MMR checks and to have your application to be declined.
A: This will depend on your financial standing, the price of the property and your credit history…
Whilst ‘100% mortgages’ – where you can borrow 100% of the property’s value – have now almost entirely disappeared, it’s still possible to get a 95% mortgage, where you pay a deposit of 5% of the property’s value.
But many Borrowers ask for a 10% deposit or more, and many tend to save the best rates for borrowers with a deposit of 25%.
Free consultation for
Real Estate Investors
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