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Home > Financial Services > Mortgage Brokers > Newport Bay Mortgage, Inc.

Newport Bay Mortgage, Inc.

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.

Newport Bay Mortgage, Inc. is a full service mortgage broker Licensed in California since 1988. They offer preferred loan programs for borrowers with excellent credit while also offering financing to those borrowers unable to obtain financing elsewhere. The Company offers Home Equity Conversion Mortgages, Refinance, and Construction loan.

The money can be used for any reason and you will never have a monthly mortgage payment as long as you keep and live in your home. Incomes from Reverse Mortgages do not affect Social Security or other Benefits. Borrowers age 62 and above can receive a reverse mortgage as a new mortgage or use it to refinance their current mortgage. You may receive a monthly income, a line of credit or a combination of both.

A lending institution such as a mortgage lender, bank, credit union or savings and loan association funds the loan, commonly known as Home Equity Conversion Mortgages. This reverse mortgage can be used by senior homeowners age 62 and older to convert the equity in their home into monthly streams of income and a line of credit to be repaid when they no longer occupy the home.

Refinancing a home is a great way to reduce overall monthly expenses and consolidate debts. It’s also a common financial vehicle to shift high-interest, non-tax deductible debt to a low-interest, tax-deductible loan. Refinances are commonly used for home improvements. Most Construction Loans use 97 percent of Future Value as a standard guideline.

Their lending specialists are dedicated to assisting you in obtaining the right loan with the best rates, terms and costs to meet your individual needs. Chances are, if a program exists for your situation, they offer it to you for less money and give you better terms.

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