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Home > Financial Services > Mortgage Brokers > Optimum Mortgage Services
Optimum Mortgage Services
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.
Optimum Mortgage Services are committed to the mortgage industry and their customers. With over 40 years of combined experience, they know the business from the inside out. They specialize in first and second mortgages for home purchases, refinancing, and home equity loans. You can count on them to handle all your mortgage needs.
The Company has focused on you, the customer. Everything they do is based on serving their customers. They are going to make the loan process as easy for you as possible.
If you own your home and are 62 or older, a reverse mortgage could be the way to supplement your retirement income. A reverse mortgage is a safe plan that can give you greater financial security. A reverse mortgage enables you to convert a portion of the equity in your home into cash. A reverse mortgage essentially pays you the equity that has been built up through home mortgage payments. Unlike a traditional home equity loan or second mortgage, a reverse mortgage requires no repayment until the home is no longer used as your principal residence.
The Company also assists you through six basic steps in procuring a loan for buying a house or renovation of your home such as 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.
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