Best Variable – Fixed Mortgage Rates Toronto, Home Mortgage, Northwood Mortgage, best rate mortgage.#Best #rate

Our Best Home Mortgage Rates Toronto – Fixed Variable

Our lowest mortgage rates change frequently as we often receive short-term rate promotions daily. These promotions are never posted online. Meet with one of our Mortgage Agents to get the best mortgage solution for you!


  • 10 Year Fixed Rate Special 3.94% Your last mortgage ever
  • 5 Year Variable rate mortgage Insured at Prime .95% (2.25%)
  • Open line of Credit at Prime + .50% (3.70) some conditions apply

Many of our rates can be guaranteed for up to 4 months! This means if you secure a mortgage in April, the rate is guaranteed until August

If you are buying a home (in Canada) now, or switching from a current lender, you can secure these rates NOW by contacting us today.

Rates subject to change without notice and OAC Some Conditions Apply

Mortgage Rates

When mortgage rates change, it can happen quite quickly. So when it comes to mortgage, timing is everything. Be sure to secure your loan while rates are favourable in order to get the best deal possible. Also, if you are looking to buy a home or you are thinking about changing from your current lender, you ll want to do your research before you make any final decisions.

Remember, all mortgages aren t created equal, so it s important to compare mortgage rates and to go with a company that you trust. The terms and conditions of mortgages vary, as do the interest rates. A mortgage should be set up to fit your needs as much as possible. We want to equip you with the knowledge you need to make the best decision.

What is an open mortgage?

An open-term mortgage is an appealing option to those who plan on paying off their mortgage sooner rather than later. This type of mortgage can be repaid fully or partially at anytime without prepayment interest fees. If you want to convert them to another term, you are able to do so at anytime again without prepayment interest fees. The interest rates for open mortgages tend to be higher than those of closed mortgages because they have such flexibility.

What is a closed mortgage?

A closed-term mortgage is the common choice for people who aren t planning to pay off their mortgage in the near future. The interest rates for closed term mortgages tend to be lower than that of open mortgages. With closed term mortgages, you re able to save on interest costs and hopefully this will help you to pay your mortgage back quicker. Fixed or variable options are available for closed term mortgages but there s a restriction on the principal amount that you can pay towards our mortgage each year.

If you want to renegotiate your rate, you will need to pay a prepayment charge. In addition, you will need to pay this prepayment charge, if you want to pay off the balance of your mortgage before the end of the term or if you want to prepay more money than your mortgage will allow you to.

Prepayment Charges

With prepayment charges you have the flexibility to increase your monthly payments or to pay the whole thing off. Contact our team of experts to find out more about prepayment options.

Comparison: Variable vs. Fixed Mortgage Rates

Fixed Mortgage Rates

More than 50% of Canadians have fixed mortgage rates, which means the monthly payment stays the same over the full term. You are protected against fluctuating interest rates, so it can set up and you don t have to worry about it. If you want stability this is the best option for you.

Variable Mortgage Rates

With a variable mortgage, your rates are typically lower but they will vary over the term. Your payments will be based on market behaviour and this will have an affect on how much you are paying. The amount that you are paying will change over time.

What We Offer:

At Northwood Mortgage, our dedicated and knowledgeable staff are able to provide you with our best mortgage rates.

Call us today at 1-888-492-3690 for more details.

Direct Mortgage Wholesale, Online Rate Locks, Loan Programs, Automated Underwriting System, best rate mortgage.#Best #rate

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Direct Mortgage Wholesale provides pace-setting rates, cutting-edge loan programs, online rate locks, and the most robust automated underwriting system in the business. More

Interested in signing up with Direct Mortgage Wholesale? Fill out our Online Broker Application or send an email to get started.

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In a day and age when many lenders are struggling, we are a wholesale mortgage bank that continues to innovate, create new loan programs, and pioneer automation cutting-edge technology. Our proprietary software, DirectWare Loan Choices features Predictive Analytics, assists you in selecting the right loan at the right price, including Fannie Mae, Freddie Mac, and Direct Mortgage s own loan portfolio; and provides real time pricing, loan registration and online rate locking.

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Furthermore, Direct Mortgage is a wholesale mortgage lender with a philosophy of “close the loan.” Whether that means educating brokers about loan products available on the market, providing free uploads of loan applications, automatically underwriting referred borrowers against alternative loan programs, or going the extra mile to personally obtain outstanding conditions on a pending loan, Direct Mortgage associates focus on getting the deal done.

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NYCB Mortgage Banking – Gemstone Login, mortgage providers.#Mortgage #providers

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NYCB Mortgage Banking is proud to be one of the leading providers of mortgage lending services to mortgage companies, community banks and credit unions. Whether you are a Correspondent Seller or a Wholesale Table Funder, Gemstone, our transactional website, helps you compete with anyone while offering the benefits of control, speed, ease and risk mitigation in a single platform.

Our Mission and Value Proposition

Borrowers want economic value, convenience, expediency and reliable counsel throughout the loan process. Your expertise and the Gemstone platform enable you to originate and close loans faster, easier and at a lower per loan cost than any other loan origination channel in the industry. You are very well equipped to compete on the combined effect of dramatically lower operational costs, service responsiveness, and technological innovation.

To Build Trusted Relationships

Simply stated, we need each other. Your loan sourcing capability is important to our sustained success. By utilizing our Gemstone technology platform, you gain control over aspects of the mortgage transaction that ensure an efficient and hassle-free lending experience. for you and your customer. There is no doubt this gives you an edge over your competition–no matter who they are–provided that you conduct your business with honesty and integrity. each and every time.

Our Vision – We Want Data, Not Paper

Our unswerving eVision is to provide our Clients and their borrowers with an electronic lending experience that surpasses expectations. The use of accurate data at loan registration is central to fulfilling regulatory requirements and realizing the efficiencies of the Gemstone platform.

Outperform the Competition while Protecting Your Business

Control. Closing documents and funding requests at your fingertips.

Speed. Gemstone synchronizes the data for registration, appraisal, title and closing docs. Available for Table Funding Clients, our eSign brand of electronic closings is the fastest and greenest closing in the industry.

Ease. Gemstone’s simple loan process enables you to move through the loan process efficiently while helping you manage critical regulatory requirements.

Risk Mitigation. Combined with our internal processes, Gemstone’s risk applications mitigate key business and regulatory risks inherent in the lending business. for you and the bank.

Lower Costs. Free AU submissions, free closing docs and free closing document re-draws.

For Borrowers:

For service questions regarding your mortgage with New York Community Bank, please call 888.696.4444 from 8am-8pm ET Monday through Friday, 8am-5pm ET on Saturday, and 9am-4pm ET on Sunday.

If you are a business Client of NYCB Mortgage Banking and have a question, please call our Mortgage Consulting Center at 888.321.6446 (Monday through Friday 9am-8pm ET) or submit an email to [email protected]

For Closing/Settlement Agents/Notaries:

If you have questions about closing an NYCB mortgage, please contact our Mortgage Consulting Center at 888.321.6446 (Monday through Friday 9am-8pm ET). If you need to sign up as a new closing/settlement agent to close NYCB mortgages or need to learn more about eSign closings, please visit

For Prospective Clients:

Are you interested in becoming a Client? Email [email protected] and include your name, company name, company address and phone number. An NYCB team member will contact you within 48 hours.

Who is NYCB Mortgage Banking?

NYCB Mortgage Banking is the business to business mortgage division of New York Community Bank. We are proud to be one of the leading providers of mortgage lending services to mortgage companies, community banks and credit unions.

Gemstone, our transactional website, helps you compete with anyone while offering the benefits of control, speed, ease and risk mitigation in a single platform.

How do I gain access to Gemstone?

If you are interested in becoming a Client, email [email protected] and include your name, company name, company address and phone number. An NYCB team member will contact you within 48 hours.

Interested in a career with New York Community Bank?

Visit the New York Community Bancorp, Inc. Careers webpage.

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Learn More About What Home123 Does For Brokers and Schedule a Demonstration

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Home123 helps you build strong relationships with your partners. Connecting with Real Estate Professionals is one of the smartest moves a lender or service provider can ever make. A relationship with a real estate professional is a consistent source of business that pays for itself over and over again. But how do you get those relationships? If you re like most service providers who are focused on real estate purchase business you ve tried renting a desk, buying a lunch, providing informational training, emailing, direct mailing, attended trade shows, etc., etc. with minimal lasting results. Maybe you have had success with an agent or two but .when you have individual relationships, how do you turn them into relationships with the entire brokerage instead of just an agent?? We have the answers

Home123 s unique sponsored platform bridges the gap between the lending and real estate communities, and provides real estate professionals with the tools and technology they need to grow their business and yours as well. The key to partnering with real estate professionals is to give them what they want and what their business needs. Our sponsored marketing platform does both. It brings with it a host of benefits while positioning your company as the ultimate service partner.

Benefits of Advertising on the Home123 Marketing Platform include:

1. Advertising everywhere your real estate partner does by embedding your company and current product offers into their property websites, flyers, brochures, brokerage website and individual agent websites.

2. Integration into the real estate brokerage s official mobile application, which positions your company as the pre-qualification provider and mortgage expert for that particular brokerage.

3. A consumer facing presence on their agent and brokerage websites, providing opportunities to connect directly with consumers interested in purchasing a home.

4. Access the agents via text and email to continually update them on current offers and market trends.

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FHA mortgages have always been the alternative to risky subprime mortgages. The underwriting guidelines for FHA mortgages are very flexible and as a result when your personal loan officer takes your applications and tries to approve it they will receive a response from their underwriting system on if you are Approved, Approved with Conditions, or Not approved.

Also no matter what your score you can get the same rate as someone with excellent credit who also applies for an FHA loan which means no matter what your credit grade you will be saving money.

Being approved with conditions can be as simple as making one of your credit cards current, or maybe a line of credit is still reporting after being closed. There can be a multitude of reasons and the situation is different for everyone. This is essentially your path to homeownership. Your loan officer will inform you on the conditions and it is up to you to meet them.

FHA has released guidelines on credit scores – with a 580 score considered to the be the minimum for approval without conditions. You can still get approved for a mortgage below 580 down to a 500 score but you would need to put a much greater downpayment and possibly resolve any issues around federal debt such as student loans that need to be made current before you can enjoy any FHA financing.

It is also important to note that many banks often have their own specific guidelines for FHA products. We try to match you with the best lenders that can help you.

In the lending industry anything below 640 is considered adverse or bad credit. Since we work with FHA loan officers which have access to these products that lend below 640 we are showing you a path to homeownership even if you have bad credit. There are limits on how bad your credit can be – for anyone below a 500 score there are no options until you can improve your credit.

For more information on how you best get a mortgage with bad credit ask your personal FHA loan officer about your path to homeownership.

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What is HARP and do I qualify for a HARP loan, harp mortgage program.#Harp #mortgage

What is HARP and do I qualify for a HARP loan?

Harp mortgage programThe Home Affordable Refinance Program (HARP) is a federal refinance program targeting underwater homeowners. First announced in March 2009, HARP is designed for homeowners who are current on their mortgage payments, but who haven’t been able to refinance because they have limited equity, no equity or negative equity in their homes.

The Federal Housing Finance Agency (FHFA) and the Treasury Department originally estimated that four to five million borrowers would be able to refinance under HARP. Since the program began, more than 3.2 million homeowners have refinanced their homes through HARP, according to the latest statistics from HUD. However, the latest data from the FHFA shows that more than 600,000 U.S. households are still eligible to participate in the program.

On August 17, 2017, the FHFA announced that the HARP program would be extended again, and will now run until December 31, 2018. At the same time, HARP’s replacement, the Streamline Refinance program will also run concurrently, starting with loans originated on or after October 1, 2017.

Do I qualify for HARP?

A HARP loan looks a lot like any other mortgage. Since HARP mortgages are backed by Fannie Mae and Freddie Mac, the underwriting process will resemble that of any other conventional mortgage. There will be loan disclosures to sign and supporting financial documentation to remit. Mortgage lenders are looking for borrowers with solid incomes, good assets and quality credit scores.

Here is the full list of HARP requirements:

  • The mortgage must be owned or guaranteed by Fannie Mae or Freddie Mac
  • The mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009
  • Borrowers must be current on their mortgage payments with no payments more than 30 days late in the last six months and no more than one late payment in the last 12 months
  • Eligible property types are primary residence, one-unit second home and one-to-four-unit rental property
  • The current loan-to-value (LTV) ratio must be at least 80 percent. There is no maximum LTV limit for a new fixed-rate mortgage. The maximum LTV for a new adjustable-rate mortgage is 105 percent.
  • You cannot have previously refinanced under HARP (unless it was a Fannie Mae loan refinanced under HARP between March and May 2009)

5 ways to prepare for a HARP refinance

Once you determine that you qualify for HARP, it s time to start preparing your finances. Here are five ways to prepare for a HARP refinance:

1. Ensure Fannie or Freddie backs your mortgage

Fannie Mae and Freddie Mac each have a loan lookup tool which allows homeowners to search for their loan:

To check if your mortgage is backed by Fannie Mae, visit If your mortgage is not found, try Freddie Mac’s loan lookup at

Mortgages not listed on either website are not backed by Fannie Mae or Freddie Mac and, therefore, are not HARP-eligible.

2. Determine if your mortgage is old enough

Only those whose mortgages were securitized prior to June 1, 2009 can apply for HARP. In general, this means that your mortgage must have started in mid-May 2009 or earlier. You can find your mortgage start date by looking at your closing paperwork.

Note: Since it can take up to 60 days to securitize a Fannie Mae or Freddie Mac loan, even if your start date is close to June 1, 2009, you still may be ineligible.

3. Does your mortgage have mortgage insurance?

HARP is designed to help homeowners with or without private mortgage insurance (PMI) and lender-paid mortgage insurance (LPMI). The general rule of thumb is that if you have mortgage insurance, your new HARP mortgage must have the same level of coverage.

Some borrowers have been denied a HARP refinance because of LPMI. If your currently lender won t refinance because of LPMI, shop around for one that will.

HARP requires that all homeowners have made their last six mortgage payments on time, with a maximum of one 30-day late payment in the past year. This information is verified against your credit report, so be sure to review your credit reports prior to submitting your HARP application.

5. Organize your HARP paperwork

Since HARP mortgages are underwritten like every other type of mortgage, you will be required to provide bank statements, a driver’s license, homeowners insurance information, pay stubs and W-2s. If you’re self-employed, you’ll have to provide a few years of tax returns to verify your income.

The speed in which you return these items to your lender can dictate your mortgage rate. If you’re going to apply, you must follow these tips to be approved and to close as quickly as possible.

Why don t I qualify for HARP?

While the HARP program has evolved over the years to allow more borrowers to qualify, there are still several reasons why you wouldn t qualify for HARP, including:

  • Bad credit. Some borrowers can’t qualify due to impaired credit or too many late payments on their existing mortgage.
  • Equity issues. HARP has no maximum LTV ratio for borrowers who obtain a new fixed-rate mortgage, a maximum LTV ratio of 105 percent for borrowers who get a new adjustable-rate mortgage, and a minimum LTV ratio of 80 percent for all loan types. However, lenders typically impose their own guidelines, called “overlays,” which may include different LTV rules.
  • No re-HARPs. Homeowners can only utilize the HARP program once.
  • Fannie and Freddie. You will not qualify for HARP if your mortgage is not owned or guaranteed by Fannie Mae or Freddie Mac.

FHFA Senior Policy Analyst Michelle Murphy says borrowers who’ve previously been denied for HARP should try again and shop around.

“Call your current lender and share with them that you want to explore a HARP refinance,” she says. “If you’re denied, find out the reason and don’t be discouraged. You may be able to refinance with another lender.”

Can I refinance a first and second mortgage through HARP?

In order to refinance both a first and second mortgage through HARP, you must meet two additional requirements, according to

  1. The lender that holds the second mortgage must agree to remain in junior lien position
  2. You must be able to meet the new payment terms of the first lien mortgage, and demonstrate your ability to do so

Can I refinance a rental property through HARP?

The general answer is “yes,” you can refinance a property under HARP if it is a rental. Of course, the loan must still meet all the typical HARP requirements.

HARP Timeline

Since 2009, there have been many changes and updates to the HARP program. Here are some of the most important changes to HARP since the program began:

Am I eligible for HARP 2.0 despite my recent bankruptcy?

According to Fannie Mae, they have removed the “requirement that the borrower (on the new loan) meet the standard waiting period and re-establishment of credit criteria in the Selling Guide following a bankruptcy or foreclosure. The requirement that the original loan must have met the bankruptcy and foreclosure policies in effect at the time the loan was originated is also being removed.

This indicates that you should be eligible. Freddie Mac usually follows the same policies as Fannie Mae, but there may be some differences.

(Keith Gumbinger, Dan Green and Marcie Geffner contributed to this article.)

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AMCAP Mortgage is a company i would really recommend to anyone, not to mention that Gerry , Anna and Donna are very knowledgeable and helpful View more »

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Converting Your Home to Rental Property

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Converting your primary property into a rental property cannot be done on the spur of the moment, it requires planning and a cost benefit analysis

Assess the risk

May require another type of insurance

Repairs and/or Upgrades

Deciding What Will You Charge
Finding a Tenant

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How to Get a Second VA Mortgage?

A Quick Guide to Understanding the Second VA Mortgage

Best mortgage lendersThe U.S. Department of Veterans Affairs backs VA mortgages also known as VA Loans for military families since 1944. A VA Mortgage helps families purchase single-family homes through private lenders.

There are a lot of misconceptions out there about the VA loan program or the VA Mortgage. Two of the most common are rooted in the concept of VA entitlement, which is basically the amount of money the agency guarantees they will pay back the bank in case if you foreclose or short sale the home. It is possible in certain cases to have 2 VA home loans at the same time. And you can definitely qualify for a VA Mortgage even if you defaulted on one in previous years.

Understanding Entitlement

Can You Have More than One VA Mortgage at one time?

What are the Advantages?

Types of VA Loans

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How to Buy a Home with a Low or Zero Down Payment

The truth about no or low down payment mortgagesBest mortgage lenders

FHA Program

The HomeReady Mortgage Program

VA Loans

Acquiring a Private Mortgage Insurance
State and local home buyer programs

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What are Mortgage Overlays?

Navigating the wide world of lender mortgage overlays

Specific Overlay Examples

We have put together a list of most common mortgage overlays in relation to the published mortgage guidelines.

  • Debt to Income ratio – FHA set a maximum debt to income ratio of 56.9% for potential buyers with a minimum credit rank of 620. However, there are a few lenders that will not approve a mortgage unless the debt to income ratio is over 43%
  • Minimum credit scores – While the FHA requires a minimum FICO score of 580 to qualify, the majority of lenders require a score of 600 or 620 or even 640 in order for them to consider the mortgage loan.
  • Down Payment requirements – According to Fannie Mae and Freddie Mac’s guidelines borrowers need a 3% to 5% down payment in order to buy a house using a conventional mortgage. However, some lending institutions may increase the interest rate on the mortgage by 0.125% up to 0.50% or, they might require a bigger down payment if you have a credit score below 700.
  • Bankruptcy requirements – If you have a prior bankruptcy, foreclosure, deed in lieu of foreclosure, and/or short sale, there are certain federal mandatory requirements for you to qualify for a mortgage loan. After a potential borrower is discharged from bankruptcy they may apply for a mortgage loan. However, most lending institutions ask customers to wait up to two years once the discharge is complete. There are different waiting periods for different types of loans.

Additional Common Overlays

  • Property types – A veteran may use a VA mortgage to purchase almost any kind of property; however, some lenders do not offer a VA mortgage for a condo or a manufactured home. Some lenders won’t lend on condotels or timeshares at all. Or non-warrantable condominiums.
  • Credit History – With limited credit history, it’s more difficult for lenders to determine a track record of how you handle credit. There are lender overlays in place that require a certain number of credit accounts and a minimum number of years of payment history in order to consider you for a loan.

Dealing with lender credit overlay when you are planning to purchase a house can be challenging. As each lending institution has a different set of credit overlays. To avoid shopping around contact Casey Moseman. She will find you a lender that perfectly matches your criteria. Here at, All Western Mortgage, we can help you shop around for multiple lenders at once, which will limit the amount of work you have to do.

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Mortgage Credit Certificate (MCC) Tax Credit Program

Nevada State Mortgage Credit Certificate (MCC) Program

Innovative Mortgage: Kennewick, WA: Home Loans, Refinance Options, mortgage options.#Mortgage #options

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The real innovation is the way we treat you. Innovative Mortgage is a locally owned and operated full service mortgage broker, serving the Tri-Cities community for over 12 years. For either purchase or refinance real estate transactions our goal is your satisfaction. Innovative Mortgage, Inc NMLS MB 35988

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The Innovative Mortgage Team has over 40 years of combined experience working for our customers to get the most competitive mortgage values for purchase or refinance 1-4 unit real estate transactions . Call or visit us to see why the real innovation is how we treat our clients.

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Innovative Mortgage is dedicated to taking care of our clients first. We have access to the top lenders and a reputation for getting excellent rates with quick closing and attention to detail. Providing outstanding service to the Tri-Cities community is a daily goal with our innovative solutions for your mortgage needs. For either purchase or refinance, 1-4 unit residential loan transactions, Innovative Mortgage is the locally owned and operated mortgage broker where the real innovation is how we treat the customer.

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Mortgage 101: A Mortgage Resource Guide

This guide will help first-time home buyers and seasoned veterans get the information they need to make the correct financial decision regarding their mortgage. Our goal is to provide information and resources for everything you need to know about the mortgage process. Whether you are shopping for your first home or you are already established in a existing home, this page can be your guide. Take the necessary steps to make purchasing your first home or maintaining your existing home a seamless [Read More. ]

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Top 10 Loan Modification Lenders

Many Americans have been affected by the recent economic crisis. Millions of homes have gone into foreclosure, and millions of families have lost their homes. If you are at risk for losing your home, the good [Read More. ]

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Tip of the Day

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How to Tell if Current Mortgage Interest Rates Will Continue to Rise

Up until not long ago mortgage rates used to be very low, close to the lowest they have ever been. Rates have decreased to near record lows due to the recent housing market crash, which affected both homeowners and mortgage lenders. While millions of people have lost their [Read More. ]

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Could a 10 Year Mortgage Rate Be Your Best Mortgage Option?

One of the key aspects of finding a good mortgage loan is determining what type of mortgage term works out best for you. Long-term mortgage loans seem more attractive at first glance because the monthly payment is much smaller, but if you factor in the larger interest rate, [Read More. ]

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How the Current Government Shutdown is Affecting FHA Mortgages

The housing market has been recovering steadily lately, but the current government shutdown may interfere with that progress. For the first time in 17 years, the government has partially shut down. Besides other important implications, this shutdown could affect people who [Read More. ]

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Bad Credit Home Loans Are They Possible With Today s Stiffer Regulations?

There are many reasons for having a bad credit score, and you might be wondering if you are still able to buy a home, despite your shortcomings. The truth is that there are no rules set in stone when it comes to bad credit home loans. Some lenders may be more lenient than [Read More. ]

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What is this Difference Between a Home Equity Line of Credit vs Home Equity Loan

When buying a home with a mortgage loan, both you and your lender own parts of the home. The part of the home that you own is represented by the equity which builds up each time you make a payment. Having equity in your home allows you to take out a house equity loan by [Read More. ]

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What Are the Typical Home Equity Loan Requirements

Home equity loans are designed to help homeowners gain quick access to some much needed cash by tapping into the equity in their homes. Home equity loans provide an alternative to taking out other types of loans or opening new credit card accounts. While other forms of [Read More. ]

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Pros and Cons of Home Equity Loans

Home equity loans allow homeowners to take out a loan using the equity accumulated in their home as collateral. Home equity loans give you quick access to money that can be used for a home remodeling project, medical bills or college tuition. A home equity loan can be more [Read More. ]

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Is it Possible to get a Home Equity Loan With Bad Credit?

Getting a home equity loan with poor credit is more difficult, but not impossible. Before you decide to make improvements to your home or decide that you need some quick cash, you need to find out if a lender is willing to give you a home improvement loan and how your loan [Read More. ]