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Casablanca Financial Group


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.
 
Their mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. They understand you're making a commitment in buying a new home, refinancing and mortgage or cashing out your home equity. They can even help you pay down your balance more quickly for comparable monthly payment.
 
Fixed-rate loans are available in all sorts of shapes and sizes: 30-year, 20-year, 15-year, even a decade. Some fixed-rate mortgages are called biweekly mortgages and shorten the life of your loan. You pay every two weeks, a total of 26 payments a year which adds up to an extra monthly payment every year. ARMs often have their lowest, most attractive rates at the beginning of the loan, and can guarantee that rate for anywhere from a month to ten years. That means that the introductory rate is set for three or five years, and then adjusts according to an index every year thereafter for the life of the loan. Loans like this are often best for people who anticipate moving and therefore selling the house to be mortgaged within three or five years, depending on how long the lower rate will be in effect. Title insurance is usually required by the lender to protect the lender against loss resulting from claims by others against your new home. In some states, attorneys offer title insurance as part of their services in examining title and providing a title opinion. The attorney's fee may include the title insurance premium. In other states, a title insurance company or title agent directly provides the title insurance.
 
The company is dedicated to a goal which is to save you money, distress and time and they guarantee results. Whether you are a new residential home buyer, a seasoned commercial developer, or simply refinancing an existing mortgage, the Company offers the best package of service, rates, and closing finesse few in the industry can come close to.   
 

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