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Value Mortgage, Inc.


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.
 
Value Mortgage was founded on the principle of providing superior service to their clients. They are working with a mortgage broker. Value Mortgage provides the features for the Jumbo Purchase with 5 percent down programs. The seller doesn't want to carry back a second mortgage, and you can't get mortgage insurance at this high a loan to value and loan amount. This program is for buyers with good credit, and fully documented income and tax returns.
 
There are several programs geared for first time buyers. The name First time buyer attached to loans generally carries with it many restrictions, and not necessarily a lower interest rate. These are geared for those buyers who do not have a large down payment saved. Most programs allow purchasers to buy a home with as little as a 3 percent or 5 percent down payment. Generally these are available in fixed rate programs and some are available in adjustable rate mortgage programs.
 
Value Mortgage assists you through six basic steps in procuring a loan for buying a house or renovation of your home. The six steps are 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.

Value Mortgage will always adhere to the highest degree of integrity in all of business dealings. They will establish long term relationships with their clientele that will be the foundation of their continued success.

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