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Home > Financial Services > Mortgage Brokers > Garden City Mortgage
Garden City Mortgage
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.
Garden City Mortgage offers low cost mortgages at very competitive rates. They have the capability to shop your loan to a large number of lending institutions that offer wholesale rates and programs that may not be available through a commercial bank. One application, one appraisal and one credit report is all it takes to get the best rate. When you go to a commercial bank and ask for a mortgage rate, you will only be quoted that banks lowest rate. A mortgage broker finds the lowest rates available from many banks. They can Pre-Approve your loan and determine if you are looking in the right price range. They will expedite the appraisal, title and loan processing. The Company offers low cost mortgages at very competitive rates.
The company offers programs such as; Cash out program where you use the equity accumulated in your home for other needs, such as: tax payments, medical bills, college tuition, debt consolidation, home improvements, swimming pools, patios or deck, new car or boat, vacations, weddings, honeymoons, marital buyouts and deed transfers. There are funds available for almost any purpose. Bad Credit Program: For people with credit problems that may range from several late payments, charge offs and judgments to tax liens, foreclosure and bankruptcy. They have lenders that offer special programs for individuals with this type of credit. Their No Doc Program is for people in business that don’t receive a regular paycheck or W2 or are unable to document their income for whatever reason. And their Small down payment Program is for people that don't have a lot of money saved for a down payment or closing costs.
Garden City Mortgage has been the leader in obtaining loans for customers with great credit and not so great credit. They are straight shooters and pride themselves in their honesty with their customers and their ability to obtain loans in just about any credit condition and financial situation for current and prospective home owners.
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