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Loan Science


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.
 
The Loan Science concept was conceived and developed from my personal experiences and ongoing mission to create a mortgage loan system specifically designed to exemplify fast, friendly, and efficient real estate financing transactions. The company creed HomeLoans Down to a Science is not just a slogan, but a directive that governs their entire operation. At Loan Science, they know how important it is for you to know all available options before choosing a loan program that fits your purchase or refinance needs.
 
Fixed-rate Mortgages offers an interest rate that will never change over the entire life of the loan. If you lock in a rate of 7 percent that calculates a payment of 1,247 dollars per month, then you know that in 20 years you'll still be paying 1,247 dollars per month. The only things that will change will be the property tax and any insurance payments that are included in your monthly payment. The length of your fixed rate mortgage can be 15, 20 or 30 years. These terms have an affect on the various benefits you'll get from your mortgage.
 
An adjustable rate mortgage has an interest rate that changes based on changing market rates and economic trends. They usually offer an initial interest rate that is two to three percentage points lower than fixed rate mortgages, but they don't offer the stability or assurance of a known mortgage payment in the years to come.
 
They continually strive to represent themselves with the highest levels of integrity and customer service to build both trust and loyalty with their ever growing client base. They will utilize all modern technologies available in the mortgage industry, including the internet, in order to simplify, streamline, and shorten the loan process.

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