|
|
  | ||
Flagstaff AZ MortgagesActually we generally don't have mortgages in Arizona, we have Deeds of Trust, but that's a technical distinction I will be happy to fill you in on some other time. For practical purposes, everyone, including the lenders, seems to use the term, mortgage, for simplicity's sake. You can also access some national mortgage sites on the Net, get the rates instantly, and make an application on-line if you wish. At the risk of incurring their wrath, I strongly urge you to use the on-line sites for information and then apply locally with a real flesh and blood mortgage person. They'll at least match what you can get on-line and we'll have an accountable live person if we encounter the snags that seem to plague the lending process. Here are a couple of useful sites for mortgage information and mortgage calculators: Locally, try the following mortgage brokers/lenders. We have personal experience with each of them and have found them all to be committed to the highest standards of professionalism and integrity. They all offer rates and programs that will beat or match anything you will find elsewhere. They have each passed our test for the Best in the Business and we recommend them without reservation. Jer Cox Academy Mortgage http://academymortgage.com/jercox/ 2076 S WOODLANDS VILLAGE BLVD Flagstaff, AZ 86004 O: 928-226-6908 C: 928-699-8375 F: 928-226-0403
Lenders Direct is a Local Lender with many loan products to fit your needs. They offer FHA/VA Loans, Conventional/Jumbo Loans, New Construction Financing, Lot Loans, Home Equity Loans, First Time Buyer Loans, Stated Income Loans, and No Down Payment Options Honesty, integrity, and customer satisfaction are Lynne’s commitments to you. She truly cares about the people she represents and she’ll earn your respect using her 23 years of mortgage financing knowledge to accomplish the goal of finding the right loan to purchase your dream home or refinance your existing mortgage. Thomas McGoldrick | Senior Loan Officer | NMLS#
261740 w: 928.203.0695 x4 | c: 928.301.3621 f: 888.600.1347 | e: tmcgoldrick@primeres.com 3190 State Route 89A, Suite 900, Sedona AZ 86336 your goals. your dreams. your future.
More Advice... Again, my suggestion is to do your loan research on one or more of the national mortgage sites and then contact someone locally and challenge him or her to match your best quote. My experience has been that using a local broker or lender versus an out-of-state institution eases the whole process and ensures timely escrow closings. Keep in mind, by the way, that shopping for a mortgage is a very tricky business. It's extremely easy for less-than-ethical mortgage brokers to stick even very sophisticated borrowers with hidden costs and junk fees while quoting rates that appear attractive. There are innumerable elements that go into a proper rate quote and it's important to be comparing apples to apples. My best advice is still to choose someone that you know will do right by you. Frankly, I've had rotten luck with several transactions which involved out-of-state lenders, ranging from unnecessarily delayed closings to outright unethical practices which have cost my clients money and major headaches. If you do decide to use someone other than a recommended local mortgage broker or banker, please make sure that you have a well established personal and professional relationship with that person or institution. There is way too much funny business going on with that industry and way too many fly-by-night charletans in that business to trust someone you don't know or hasn't been recommended to you. That is especially true of many of the on-line mortgage companies. Lots of horror stories there. Final bit of advice: Get loan Pre-Approval before you start shopping for property. You'll put yourself in a much stronger bargaining position and save yourself some money. Plus the whole process can be sped up that way. A third of the real estate buyers in Flagstaff pay cash and pre-approval puts you in almost the same position as they are in. Sellers love buyers with cash or loan pre-approval. | |||
|
Flagstaff AZ Real Estate | Sedona AZ Real Estate | Sedona Real Estate | |||
Lynne Dewar
