Posts Tagged ‘loan’
3 foundations for qualifying
February 5th, 2012 | 
Author:
This is a quick overview of the I.C.E. formula WCC uses to qualify potential borrowers when they apply for a mortgage loan. I cover income, credit and equity. Wholesale Capital Corporation is a Direct Mortgage Lender in Southern California providing loans for residential, commerical and SBA cleints. Please fell Free to contact Adam Villaneda at 951-488-3182 if you have any questions about buying a home in California. Qualifcations from commericial and SBA loans may differ from information presented in this video. In addition, WCC does have minimum requirements in all three fields covered in this short presentation. Call now to see how I can help you finance you next purchase or refinance your current home.
Duration : 0:2:38
Posted in wholesale mortgage | 
Tags: Adam, City, credit, Credit (finance), equity, Equity (finance), finance, income, loan, morneo valley, mortgage, qualifying, Villaneda, wcc, Wholesale Capital | 
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Finding the best deal for you | MoneySupermarket
Moneysupermarket.com editor Clare Francis questions mortgage expert Louise Cuming on how to find the best mortgage to suit you…
Duration : 0:3:57
Cali Mortgage Top Rated Direct Lender – Your Online Mortgage Source
At Cali Mortgage, a Sierra Pacific Mortgage Company, we promise to deliver the lowest interest rates available with superior customer service.
As a Direct Lender we offer the most aggressive rates in the market. With Cali Mortgage you will have no upfront fees and your Good Faith Estimate will be accurate.
For over 25 years now we have been helping families all over California purchase and refinance their homes with Conventional, FHA and Jumbo financing. Our professionalism and excellent work ethics will nurture your confidence and comfort level. Its home financing made easy!
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With no application fee and no lock-in fee you have nothing to lose. Fast approvals and a streamline process you will wonder why you didn’t always go through Cali Mortgage!
We at Cali Mortgage would enjoy the opportunity to earn your business so please call today for a Good Faith Estimate at no cost or obligation.
Duration : 0:1:4
Best (Mortgage Companies) FHA, VA Loans Broken Arrow, OK 918-906-9490
Experts in FHA, VA: http://www.freemanteammortgage.com
Video produced by Get Found Stay Found http://www.getfoundstayfound.com
Best (Mortgage Companies) FHA, VA Loans Broken Arrow, OK 918-906-9490
Deborah Freeman owner of Freeman Team Mortgage, Inc. would love to help 1st time home buyers, Veterans, and those who wish to refinance find the mortgage that best fits their needs. Personal Service without sacrificing great rates. Check out our Testimonials & Reviews and then give us a call.
Mortgage Broker - Compare Mortgage Brokers in Broken …
Find the leading mortgage broker in Broken Arrow, OK. Receive a free online rate quote to find current Broken Arrow refinance and home loan rates from local …
Mortgage Broker Network Grp, Broken Arrow, OK : Reviews and maps …
Mortgage Broker Network Grp, Broken Arrow, OK : Reviews and maps – Yahoo! Local, 918.906-9490. Get Ratings, Reviews, Photos and more on Yahoo! Local.
Broken Arrow Mortgage - Home Loan Rates, Brokers, Refinance Quotes …
Find the lowest Broken Arrow mortgage rates and compare local brokers and lenders inOklahoma. Receive a home loan, refinance or home equity loan free rate …
Mbng Mortgage Broker Network Group Broken Arrow, Oklahoma | Wimgo …
Mbng Mortgage Broker Network Group in Broken Arrow, find, rate and read reviews. 741 W New Orleans St, Broken Arrow, OK 74011.
Broken Arrow Mortgage Brokers | LinkedIn
Use your network on LinkedIn to help you find reputable Broken Arrow, OK mortgage brokers that can help you find appropriately matched mortgage loans. …
Mortgage Broker Group LLC - Broken Arrow, Oklahoma (OK …
Mortgage Broker Network Group LLC company profile in Broken Arrow, OK. Our free company profile report for Mortgage Broker Network Group LLC includes …
Mortgage Broker Network Group, Llc | Broken-arrow Mortgage Rates …
Mortgage Broker Network Group, Llc in Broken-arrow, OK. View the avg. Oklahomamortgage rates today and contact local mortgage lender, Mortgage Broker …
Duration : 0:1:41
Posted in mortgage lenders |
Tags: 918-906-9490, 918-906-9490Vancouver, BC, best, Best (Mortgage Companies) FHA, Bixby, broker, buyer, canada, companies, down, estate, FHA, finance, First, Government, home, interest, Jenks, License, loan, loans, low, LOWEST, mortage, mortgage, no, OK, Oklahoma, Owasso, payment, programs, rate, rates, real, referrals, refinance, time, Tulsa, VA, VA Loans Broken Arrow |
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Duration : 0:0:35
Economic Meltdown (Send it to Everyone)
http://theelevationgroup.net/presentation/register.php?a_aid=161534&a_bid=290b868b&chan=M
Riots will break out in the streets when people realize their money isn’t worth the paper it’s written on!
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http://www.mikedillard.info
http://www.youtube.com/user/johnnyb0087?feature=mhee
Duration : 0:2:14
Posted in subprime mortgage |
Tags: 2008, 2011 savings, and, Crisis, crisis banking, crisis economic, crisis housing, crisis mortgage, downturn global, financial, financial global, growth, loan, Mike Dillard, mikedillard, problems the, The Elevation Group, theelevationgroup, timeline financial, trends financial |
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UWM’s “The Big & Easy”!
UWM brings you the industry’s first True Jumbo Loan, “The Big and Easy”
Duration : 0:1:38
FHA Flip rule change. Get ready
Hey Everyone,
I just heard about the flip rules changing again. Be ready and take a look.
Give me a call if you or your clients need to get set up for a loan.
Ryan Hoffman
Loan Officer
Wholesale Capital Corp.
23328 Olivewood Plaza Drive
Moreno Valley CA 92553
Direct: 951-488-3114
Fax: 951-488-3214
Cell: 951-312-8650
Duration : 0:1:30
Posted in wholesale mortgage |
Tags: Amount, Angeles, bank, broker, Business, California, capital, cash, City, conv, conventional, Corp, Corporation, county, credit, Diego, direct, equity, FHA, finance, financial, flip, Government, H.A.R.P., HARP, home, insurance, interest, la, lender, loan, Los, los angeles, low, LTV, moreno valley, mortgage, murrieta, no, off, orange, Own, pay, Payoff, program, rate, refianance, rent, Riverside, rule, San, Temecula, Terms, Underwater, VA, vs, wholesale, Wholesale Capital |
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Fixed and Adjustable Rate Mortgages Compared Interest Only
(Best Syndication) This video will explain various mortgage options including a fixed rate mortgage (sometimes called a FRM), an adjustable rate mortgage (sometimes referred to as an ARM), and interest only loans. Although fixed rate mortgages are usually more desirable, there are instances when customers may want to choose either an adjustable rate mortgage or even an interest only loan.
The interest rate of a fixed rate mortgage remains constant throughout the loan term. Payments are fixed and will not vary, and this amount is independent of the additional costs on a home including as property taxes and property insurance. Some lenders may require an impound account for both taxes and insurance. This benefits the lender by ensuring that these required payments are made.
If there is very little money down, the lender may require an impound account. But impound accounts can confuse the borrower who is not sure if those payments were actually made. In some instances they may continue to be billed by the county assessor and / or the insurance company.
Adjustable Rate Mortgages have become very popular lately. They are characterized by low initial payments which make it easier for the borrower to qualify. This allows borrowers to qualify and purchase larger homes.
The payments may be adjusted periodically with the interest rate tied to an index. Common indexes include the 11th District Cost of Funds Index (COFI), London Interbank Offered Rate (LIBOR), 12-month Treasury Average Index (MTA), Constant Maturity Treasury (CMT), National Average Contract Mortgage Rate, or the Bank Bill Swap Rate (BBSW).
Adjustable rate mortgages are usually easier to qualify for because the lender is protected from spikes in interest rates. But lenders and investors need to consider the default rates due to hybrid adjustable rate mortgages which offer an initial low payment period. After that period the loan payments are adjusted upward and may even double leading to defaults and foreclosures.
But what do the numbers mean in Hybrid mortgages? A 3/1 ARM means the payment is fixed for a 3-year period and a subsequent 1 year adjustment period. After a specified “reset date” the loan is free to adjust or “float” to the index specified in the loan documents.
When interest rates are high borrowers may prefer an adjustable rate loan. If a borrower feels that he or she may sell their home within five or maybe ten years, they may consider either an adjustable rate mortgage or an Interest Only Loan. If property values increase in that period the home buyer benefits because they invested less money compared to a standard Fixed Rate Mortgage.
Borrowers with Interest Only Loans pay only the interest for a specified period of time. Unlike Adjustable and Fixed Rate Mortgages, no principal is paid on the loan. At the end of interest only period the loan may convert to a regular amortized loan or a balloon payment may become due. The terms are spelled out in the loan agreement.
In the United States a five or ten year interest-only period is typical. After that time the loan usually converts to a regular amortized loan for the remaining term. For instance, a homebuyer may pay interest only for 10 years but then pays both interest and principle for the remaining 20 years of a 30-year loan.
Adjustable rate and interest only mortgages can help buyers qualify for larger loans and homes. There is a risk to both the borrower and note holder when the loan either resets or converts to a regular amortized loan. For this reason lenders will usually require a higher interest rate on these types of loans.
Homeownership offers many advantages when compared to renting. This presentation was not meant to be advice. Always consider all of your options and talk to loan and / or real estate professionals before making your decision.
Duration : 0:5:37
Posted in best mortgage |
Tags: Adjustable, Are, compare, definitions, differences, explains, fixed, how, interest, loan, mortgages, only, rates, The, to, video, what |
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WCC Run Through… Litterally
Not familiar with how seamlessly our different departments work together? Take a look and give me a call if you have a fianncing question or need to help your buyers get qualified.
Ryan Hoffman
Loan Officer
Wholesale Capital Corp.
23328 Olivewood Plaza Drive
Moreno Valley CA 92553
Direct: 951-488-3114
Fax: 951-488-3214
Cell: 951-312-8650
Email: RHoffman@wccloans.com
Duration : 0:2:58
Posted in wholesale mortgage |
Tags: Amount, Angeles, bank, broker, Business, California, cash, City, conv, conventional, Corp, Corporation, county, credit, Diego, direct, equity, FHA, finance, financial, Government, H.A.R.P., HARP, home, insurance, interest, la, lender, loan, Los, los angeles, low, LTV, moreno valley, mortgage, murrieta, no, off, orange, Own, pay, Payoff, program, rate, refianance, rent, Riverside, San, Temecula, Terms, Underwater, VA, vs, Wholesale Capital |
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