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Home > Financial Services > Mortgage Brokers > Home Loan Specialists
Home Loan Specialists
A mortgage broker is an individual or firm that acts as an independent agent for both the borrower and the lender of a mortgage loan. Mortgage brokers are the middleman between you and the lending institution, which can be a bank, trust company, credit union, Mortgage Corporation, finance company or even an individual private investor. A mortgage broker will analyze your financial situation to determine which lender is the best fit for your loan needs. He or she will submit your mortgage application to one or more lenders in order to sell it, and works with the chosen lender until the loan closes. He or she receives a commission from the borrower if the loan closes.
Home Loan Specialists is a mortgage banker headquartered in Orange County, California. Their specialties are mortgage loans for purchasing, refinancing, home improvements, and bill consolidation. They are a direct lender which means that they handle everything from taking the application to writing the check for your loan. They provide a wide array of financing options: fixed, adjustable, conforming, jumbo, FHA, sub prime, etc. Their ability to have so many different loan programs at their disposal enables us to customize the loan program to their clients' needs. They specialize in home loans and pride themselves in being experts in the home loan field.
In their loan program they are providing to you Conventional Loans which isany residential mortgage loan other than a VA or an FHA loan. A conventional loan may be conforming or non-conforming. Government Loans purchased or guaranteed by government organizations such as the Government National Mortgage Association GNMA or Ginnie Mae. An FHA loan is a mortgage loan insured by the Federal Housing Authority which is part of the U.S. Department of Housing and Urban Development HUD. For Fixed Rate Loan Fixed loans are generally amortized over 15 or 30 years. The interest rate remains fixed for the period of the loan. Fixed rates are most popular when interest’s rates are below 9 percent. They are also providing Calculators which is Monthly Payment, Payment Schedule, Extra Payment etc.
Home Loan Specialists believes a mortgage is a promise, one that can build a solid and trusting relationship for the term of your loan. They are dedicated to providing excellent service to their customers, striving to earn repeated business referrals from their many satisfied mortgage applicants.
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