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Creative Mortgage Solutions




A Mortgage is a document that contains the details of an agreement between two parties. One of which is a borrower and the other party is a lender. The Agreement will include information like, Loan amount, Time period of the loan, Interest and the collateral on the loan which is normally the property being bought. A mortgage broker is generally a person or company whose expertise lies in the field of mortgage laws, properties available for sale, and loan procedures. They provide these services to clients for a fee which is usually a percentage of the loan or property amount.
 
Creative Mortgage Solutions CMS is locally owned and operated by the management team of Tom and Linda Mercadante and Bernie and Brenda Bringhurst. CMS currently has seven additional team members who function as two full time processing assistants, two Commercial Loan Officers and three Residential Loan Consultants.
 
In 1997, they decided to take a name that better informed the public of who they are and what they do. So they changed their name to Creative Mortgage Solutions. They continued their trademark slogan Creative Solutions for Challenging Loans even though their great service had won them an increasing share of good credit and conforming borrowers.
 
They assist you through six basic steps in procuring a loan for buying a house or renovation of your home. The six steps are  Getting your documents organized, convincing the loan company that you qualify for the loan, explains the best loan plans from various companies available within your budget, applies for the loan, obtains approval for the loan, and assists in closing the loan.
 
Their Services include Purchases and Zero Down programs, Mortgage Refinances, Residential & Commercial Loans, Owner Occupied and Investment Properties, Construction & Spec Loans, Manufactured Land or Home Packages, Land Only Purchases, Investment Properties, Seconds, Equity Lines, and Equity Loans, VA Veterans Administration loans, all types of credit. The Company has a strong tradition of leadership, service and contributions. The company’s mission is bringing comfort to customers, supporting business and commerce.

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