Types of Mortgage Lenders, The Truth About, direct mortgage lenders.#Direct #mortgage #lenders


Types of Mortgage Lenders

Direct mortgage lenders

Mortgage bankers are essentially mortgage lenders that originate and sell their loans in pools on the secondary market to investors such as Freddie Mac and Fannie Mae, along with private investors. If they are non-depository institutions, they finance the loans with warehouse lines of credit extended by other lenders, but quickly sell them off on the secondary market so they can originate new loans. Chase, Quicken, and Wells Fargo Home Mortgage are three of the largest examples, though much smaller operations also share this distinction.

Portfolio Mortgage Lenders

Portfolio mortgage lenders originate and fund their own loans, and may service them for the entire life of the loan. Because they typically offer deposit accounts to consumers, they are able to hold onto the loans they fund. They are also able to offer more flexibility in loan products and loan programs because they don t need to adhere to the guidelines of secondary market buyers. That means unique program guidelines and special offerings that other banks can t offer. Once their loans are serviced and paid for on time for at least a year, they are considered seasoned and can be sold on the secondary market more easily. Bank of America, Chase, and Wells Fargo are examples of portfolio mortgage lenders.

Correspondent Mortgage Lenders

Correspondent mortgage lenders originate and fund loans in their own name, then sell them off to larger mortgage lenders, who in turn service them, or sell them on the secondary market. The loans can be underwritten by the correspondent mortgage lenders, but the loan programs are usually based on terms approved by the larger mortgage lender, or sponsor . Correspondents usually have a array of products from different sponsors, and act as an extension for those larger lenders. In other words, a small correspondent mortgage lender may resell Wells Fargo products and/or Chase products under their own name.

A direct mortgage lender is simply a bank or lender that works directly with a homeowner and underwrites their product in-house, with no need for a middleman or broker. Mortgage bankers and portfolio lenders usually fall under this category if they have retail operations. Examples include SoFi, loanDepot, Wells Fargo and Bank of America, though smaller entities could share this distinction as well.

Wholesale Mortgage Lenders

Wholesale mortgage lenders are similar to mortgage bankers in that they originate and sometimes service loans, and also sell them on the secondary market. Many mortgage banks have wholesale and retail divisions, although wholesale lenders can be independent entities as well.

A wholesale mortgage lender is distinct because it works with independent mortgage brokers, who are client-facing. These brokers work on the retail end with borrowers and handle all correspondence, while simultaneously working with an Account Executive at the wholesale mortgage lender to carry out processing, underwriting, and loan funding. The borrower never actually interacts with the lender, only the broker does.

The wholesale mortgage lender funds the loan, and will usually sell it on the secondary market within a month or two. Some examples include United Wholesale Mortgage and Carrington Mortgage Services.

Warehouse lenders provide financing to other mortgage lenders so they can originate their own mortgages. This short-term funding provides smaller lenders with liquidity so they can focus on making more mortgages while selling existing ones on the secondary market.

Smaller mortgage bankers and correspondent lenders rely on warehouse lines of credit to finance their operations. They pay back the warehouse lines of credit whens loans are sold, and may give a cut to the warehouse lender for each loan that is eventually sold. The mortgages are used as collateral for the temporary financing.

Subprime Mortgage Lenders

Subprime lenders tend to focus on homeowners with less than stellar credit. While the definition of subprime varies from lender to lender, most in the industry characterize it as lending to borrowers with credit scores below 620. But other issues may persist, including limited income and assets, or inability to provide documentation. As a result, interest rates provided by subprime mortgage lenders will be much higher than those at standard lenders. Essentially, subprime lenders are willing to take on more risk for a greater reward (a sky-high interest rate).

This category has since been replaced by non-QM lenders, who make loans that fall outside the Qualified Mortgage (QM) rule. However, loan quality today might be better than that of their predecessors so a straight up comparison isn t entirely fair.

Alt-A mortgage lenders typically offer mortgages to borrowers with limited documentation, limited or no down payment, and/or credit scores mostly between 620-720. This type of mortgage lender falls somewhere between a prime lender and a subprime lender. Borrowers may use an Alt-A mortgage lender because they have a tricky loan scenario or a sticking point that makes it difficult or impossible to close with a traditional mortgage lender. The risk appetite of an Alt-A lender is medium-high.

Mortgage brokers work independently with both banks/mortgage lenders and borrowers, and need to be licensed. Their job is to contact borrowers and bring in potential deals. Once they have a deal, they can send it to a mortgage bank or a wholesale lender. They need to process the loan once it is approved, and can negotiate pricing with the bank or mortgage lender to receive a rebate, known as a yield spread premium. Mortgage brokers may form partnerships with real estate agents to ensure a steady stream of new business.

Loan officers work at retail banks or under mortgage brokers, and basically do the same thing a broker would do, except they don t need to be licensed. They solicit borrowers using direct mail, telemarketing, and similar practices. Brokers usually provide them with office supplies and leads, and each take a split of the total commission. They may not need be well experienced, so take caution if and when one solicits you to ensure they are well educated on mortgages.

Related: Take a look at the top mortgage lenders in the second quarter of 2010.


What Do Mortgage Lenders Look For, The Truth About, direct mortgage lenders.#Direct #mortgage #lenders


What Do Mortgage Lenders Look For?

Mortgage Q A: “What do mortgage lenders look for?”

While this is a bit of a broad question, most banks and mortgage lenders are looking for the same basic thing, your ability to repay the home loan.

After all, as long as you make your mortgage payments on time each month, there isn t much else for them to worry about. You hold up your end of the bargain and they ll be more than happy to extend financing.

Keep in mind that this differs from the priorities of some loan originators, who are more concerned with your ability to qualify for a loan (so they can get paid a commission), as opposed to actually being able to afford it.

Lenders want to make money as well, but not by writing bad loans. And they certainly don t want to let any fraudulent activity make its way through their doors.

Pinpoint Potential Red Flags Before the Lender Does

Think of a home loan application like a job interview. You want to put your best foot forward. This means taking a hard look at yourself and determining what your weaknesses and strengths are. This is exactly what a lender will do.

So before your loan application is actually submitted to a bank or mortgage lender, it is imperative to ensure that every possible red flag has been addressed.

Typically, borrowers know what these issues are, but if you don’t, consider shortcomings in asset, income, employment and/or credit departments.

Ultimately, you want your loan application to be as strong as possible and to make sense so approval will be the only option; underwriters tend to love common sense. As long as it makes sense, they can approve it knowing they won t get any flak for letting a bad loan slip through the cracks.

They ll Look at Your Credit, Your Assets, and Your Job

One of the biggest things lenders are concerned about is credit. If you don’t check your credit score before applying for a mortgage, the deal could be DOA, so it s key to know where you stand before looking to purchase or refinance.

I ve written extensively about credit s role in the loan approval process, so you can learn more by clicking the preceding link.

What do mortgage companies look for on bank statements?

If you don’t have money for a down payment or seasoned asset reserves, your application may be declined or scrutinized further; so take care of your banking details at least a couple of months before applying. This means having the money in verifiable accounts you plan to share with the underwriter, not under your mattress.

Lenders ask for banks statements to ensure the money you claim to have is actually in the accounts. They ll also want to know it s been there for a couple months, not just deposited right before applying for a loan (aka not your actual money).

That s why they ask for the past two months of statements. Also note that they ll scrutinize any large or unusual deposits that show up in your statements, so try to keep things simple before and during your mortgage application process.

What do mortgage companies ask your employer?

Same goes for income; if you haven’t had steady work for two years, the underwriter will have a much better (and easier) reason to deny your application. But if you ve been with the same company for years and your income has steadily increased, you should be in good shape.

Similar to your income and assets, lenders will want to verify your employment prior to funding your loan, either with a written Verification of Employment (VOE) and/or a verbal phone call to your employer. The lender will want the employer to verify when you started working there, what your current position/title is, and if you re still currently employed.

If you re self-employed, they ll ask for a CPA letter to verify you do what you say you do.

What do mortgage companies look for on tax returns?

Clearly they want to verify your income, so the best way to do that is to look at your actual taxes. And they don t just want one year or tax returns, they want the last two. With two years of returns, they can see if your income is steady, dropping, or rising. If it s dropping, you might have to explain yourself.

They will also ask you to fill out a form 4506-T, which is a request for tax return transcripts. This is done to make sure everything matches up and to prevent fraud. So don t submit bogus tax returns.

If you’re self-employed, make sure your business that’s making all that money is well organized, at least on paper. That means having something as simple as a business phone number, assuming you’re bringing in tens of thousands a month; disorganization can cost you there. Underwriters simply won t believe you re making $20,000 a month if your business phone number is your personal line with a voicemail recording that says, What up dude.

If you claim a ton of business expenses, be careful that they don t reduce your taxable income to the point where you no longer qualify.

If occupancy is a concern, make sure you have the documentation to back it up; if you’re downgrading to a smaller home, you better have a great narrative in place.

For example, buying a single-story home after owning a two-story home because you have trouble getting up and down the stairs. Or moving to a similar, yet inferior home because you ll be closer to family.

Some Things May Be Out of Your Hands

Unfortunately, some things may be out of your control, like issues tied to the property itself. Perhaps some aspects of the home aren’t up to code, or the value just isn’t there (appraised value); if that’s the case, you may be out of luck regardless of how well prepared you are.

One advantage to working with a loan officer/mortgage broker is that they can prepare your loan file before it ever gets to the mortgage company, so many mortgage mistakes can be avoided. They can also shop your loan with multiple banks and lenders, so if it doesn t fly with one, it can be resubmitted to another.

Keep in mind that even the smallest detail could cost you the deal altogether, so it never hurts to go over the loan file with a fine-tooth comb (with the help of a loan processor) to ensure everything is ship shape.

There’s never any guarantee, but the more preparation you put into it, the better off you’ll be.


Types of Mortgage Lenders, The Truth About, direct mortgage lenders.#Direct #mortgage #lenders


Types of Mortgage Lenders

Direct mortgage lenders

Mortgage bankers are essentially mortgage lenders that originate and sell their loans in pools on the secondary market to investors such as Freddie Mac and Fannie Mae, along with private investors. If they are non-depository institutions, they finance the loans with warehouse lines of credit extended by other lenders, but quickly sell them off on the secondary market so they can originate new loans. Chase, Quicken, and Wells Fargo Home Mortgage are three of the largest examples, though much smaller operations also share this distinction.

Portfolio Mortgage Lenders

Portfolio mortgage lenders originate and fund their own loans, and may service them for the entire life of the loan. Because they typically offer deposit accounts to consumers, they are able to hold onto the loans they fund. They are also able to offer more flexibility in loan products and loan programs because they don t need to adhere to the guidelines of secondary market buyers. That means unique program guidelines and special offerings that other banks can t offer. Once their loans are serviced and paid for on time for at least a year, they are considered seasoned and can be sold on the secondary market more easily. Bank of America, Chase, and Wells Fargo are examples of portfolio mortgage lenders.

Correspondent Mortgage Lenders

Correspondent mortgage lenders originate and fund loans in their own name, then sell them off to larger mortgage lenders, who in turn service them, or sell them on the secondary market. The loans can be underwritten by the correspondent mortgage lenders, but the loan programs are usually based on terms approved by the larger mortgage lender, or sponsor . Correspondents usually have a array of products from different sponsors, and act as an extension for those larger lenders. In other words, a small correspondent mortgage lender may resell Wells Fargo products and/or Chase products under their own name.

A direct mortgage lender is simply a bank or lender that works directly with a homeowner and underwrites their product in-house, with no need for a middleman or broker. Mortgage bankers and portfolio lenders usually fall under this category if they have retail operations. Examples include SoFi, loanDepot, Wells Fargo and Bank of America, though smaller entities could share this distinction as well.

Wholesale Mortgage Lenders

Wholesale mortgage lenders are similar to mortgage bankers in that they originate and sometimes service loans, and also sell them on the secondary market. Many mortgage banks have wholesale and retail divisions, although wholesale lenders can be independent entities as well.

A wholesale mortgage lender is distinct because it works with independent mortgage brokers, who are client-facing. These brokers work on the retail end with borrowers and handle all correspondence, while simultaneously working with an Account Executive at the wholesale mortgage lender to carry out processing, underwriting, and loan funding. The borrower never actually interacts with the lender, only the broker does.

The wholesale mortgage lender funds the loan, and will usually sell it on the secondary market within a month or two. Some examples include United Wholesale Mortgage and Carrington Mortgage Services.

Warehouse lenders provide financing to other mortgage lenders so they can originate their own mortgages. This short-term funding provides smaller lenders with liquidity so they can focus on making more mortgages while selling existing ones on the secondary market.

Smaller mortgage bankers and correspondent lenders rely on warehouse lines of credit to finance their operations. They pay back the warehouse lines of credit whens loans are sold, and may give a cut to the warehouse lender for each loan that is eventually sold. The mortgages are used as collateral for the temporary financing.

Subprime Mortgage Lenders

Subprime lenders tend to focus on homeowners with less than stellar credit. While the definition of subprime varies from lender to lender, most in the industry characterize it as lending to borrowers with credit scores below 620. But other issues may persist, including limited income and assets, or inability to provide documentation. As a result, interest rates provided by subprime mortgage lenders will be much higher than those at standard lenders. Essentially, subprime lenders are willing to take on more risk for a greater reward (a sky-high interest rate).

This category has since been replaced by non-QM lenders, who make loans that fall outside the Qualified Mortgage (QM) rule. However, loan quality today might be better than that of their predecessors so a straight up comparison isn t entirely fair.

Alt-A mortgage lenders typically offer mortgages to borrowers with limited documentation, limited or no down payment, and/or credit scores mostly between 620-720. This type of mortgage lender falls somewhere between a prime lender and a subprime lender. Borrowers may use an Alt-A mortgage lender because they have a tricky loan scenario or a sticking point that makes it difficult or impossible to close with a traditional mortgage lender. The risk appetite of an Alt-A lender is medium-high.

Mortgage brokers work independently with both banks/mortgage lenders and borrowers, and need to be licensed. Their job is to contact borrowers and bring in potential deals. Once they have a deal, they can send it to a mortgage bank or a wholesale lender. They need to process the loan once it is approved, and can negotiate pricing with the bank or mortgage lender to receive a rebate, known as a yield spread premium. Mortgage brokers may form partnerships with real estate agents to ensure a steady stream of new business.

Loan officers work at retail banks or under mortgage brokers, and basically do the same thing a broker would do, except they don t need to be licensed. They solicit borrowers using direct mail, telemarketing, and similar practices. Brokers usually provide them with office supplies and leads, and each take a split of the total commission. They may not need be well experienced, so take caution if and when one solicits you to ensure they are well educated on mortgages.

Related: Take a look at the top mortgage lenders in the second quarter of 2010.


The Lending Group Co, Mortgage Lending Group, Lenders Group, direct mortgage lenders.#Direct #mortgage #lenders


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Finding the best mortgage loans; we can help you out.

Nature Of Business and services : We specialize in: PURCHASE REFINANCE CASH OUT -DEBT CONSOLIDATION HOME EQUITY LINEs OF CREDIT.

The Lending Group is a full service Direct Mortgage Lender. We lend on Residential and Commercial Real Estate. Our team specializes in Fast Closings, Low Down Payments, Unique Loan Programs, High Loan To Value Cash Outs. Working with a Direct Lender Guarantees your Home Loam application to to approve with the Lowest Rate on the Market as well as No Broker Fees! We cater to First Time Home Buyers, Realtors, Real Estate Investors, Refinance Customers (Example: Lower you Monthly Payment and Interest Rate). Debt Consolidation for Existing home owners.

*Product Types*: Conventional Mortgages, Home Equity Loans and Lines of Credit, FHA Home Loans (Including 203k), USDA Home Loans, VA Home Loans(for Veterans Only), No Income Loans, Sub Prime and Less Than Perfect Credit Loans, Commercial Loans, Construction Loans, Fix Flip Loans. Lending Group Company was established In 2013 with a combined group experience of over 60 years. The Lending Group Company ®, Home mortgage Loans ®, Mortgage Loans refinancing ® all of these are registered trademarks, or service marks of “THE LENDING GROUP COMPANY ® ” You may not use, display or recreate them without the prior written approval of THE LENDING GROUP COMPANY. You may not remove, modify , or otherwise change any trademark, signature, privacy or other exclusive privileges rights shown on, included in, or otherwise showing in any Content provided by, considered on, or obtained through this site. All other images recognized and included herein are the property of their specific owners and their use herein doesn t mean support or approval of their products or services.

Direct mortgage lenders


Types of Mortgage Lenders, The Truth About, direct mortgage lenders.#Direct #mortgage #lenders


Types of Mortgage Lenders

Direct mortgage lenders

Mortgage bankers are essentially mortgage lenders that originate and sell their loans in pools on the secondary market to investors such as Freddie Mac and Fannie Mae, along with private investors. If they are non-depository institutions, they finance the loans with warehouse lines of credit extended by other lenders, but quickly sell them off on the secondary market so they can originate new loans. Chase, Quicken, and Wells Fargo Home Mortgage are three of the largest examples, though much smaller operations also share this distinction.

Portfolio Mortgage Lenders

Portfolio mortgage lenders originate and fund their own loans, and may service them for the entire life of the loan. Because they typically offer deposit accounts to consumers, they are able to hold onto the loans they fund. They are also able to offer more flexibility in loan products and loan programs because they don t need to adhere to the guidelines of secondary market buyers. That means unique program guidelines and special offerings that other banks can t offer. Once their loans are serviced and paid for on time for at least a year, they are considered seasoned and can be sold on the secondary market more easily. Bank of America, Chase, and Wells Fargo are examples of portfolio mortgage lenders.

Correspondent Mortgage Lenders

Correspondent mortgage lenders originate and fund loans in their own name, then sell them off to larger mortgage lenders, who in turn service them, or sell them on the secondary market. The loans can be underwritten by the correspondent mortgage lenders, but the loan programs are usually based on terms approved by the larger mortgage lender, or sponsor . Correspondents usually have a array of products from different sponsors, and act as an extension for those larger lenders. In other words, a small correspondent mortgage lender may resell Wells Fargo products and/or Chase products under their own name.

A direct mortgage lender is simply a bank or lender that works directly with a homeowner and underwrites their product in-house, with no need for a middleman or broker. Mortgage bankers and portfolio lenders usually fall under this category if they have retail operations. Examples include SoFi, loanDepot, Wells Fargo and Bank of America, though smaller entities could share this distinction as well.

Wholesale Mortgage Lenders

Wholesale mortgage lenders are similar to mortgage bankers in that they originate and sometimes service loans, and also sell them on the secondary market. Many mortgage banks have wholesale and retail divisions, although wholesale lenders can be independent entities as well.

A wholesale mortgage lender is distinct because it works with independent mortgage brokers, who are client-facing. These brokers work on the retail end with borrowers and handle all correspondence, while simultaneously working with an Account Executive at the wholesale mortgage lender to carry out processing, underwriting, and loan funding. The borrower never actually interacts with the lender, only the broker does.

The wholesale mortgage lender funds the loan, and will usually sell it on the secondary market within a month or two. Some examples include United Wholesale Mortgage and Carrington Mortgage Services.

Warehouse lenders provide financing to other mortgage lenders so they can originate their own mortgages. This short-term funding provides smaller lenders with liquidity so they can focus on making more mortgages while selling existing ones on the secondary market.

Smaller mortgage bankers and correspondent lenders rely on warehouse lines of credit to finance their operations. They pay back the warehouse lines of credit whens loans are sold, and may give a cut to the warehouse lender for each loan that is eventually sold. The mortgages are used as collateral for the temporary financing.

Subprime Mortgage Lenders

Subprime lenders tend to focus on homeowners with less than stellar credit. While the definition of subprime varies from lender to lender, most in the industry characterize it as lending to borrowers with credit scores below 620. But other issues may persist, including limited income and assets, or inability to provide documentation. As a result, interest rates provided by subprime mortgage lenders will be much higher than those at standard lenders. Essentially, subprime lenders are willing to take on more risk for a greater reward (a sky-high interest rate).

This category has since been replaced by non-QM lenders, who make loans that fall outside the Qualified Mortgage (QM) rule. However, loan quality today might be better than that of their predecessors so a straight up comparison isn t entirely fair.

Alt-A mortgage lenders typically offer mortgages to borrowers with limited documentation, limited or no down payment, and/or credit scores mostly between 620-720. This type of mortgage lender falls somewhere between a prime lender and a subprime lender. Borrowers may use an Alt-A mortgage lender because they have a tricky loan scenario or a sticking point that makes it difficult or impossible to close with a traditional mortgage lender. The risk appetite of an Alt-A lender is medium-high.

Mortgage brokers work independently with both banks/mortgage lenders and borrowers, and need to be licensed. Their job is to contact borrowers and bring in potential deals. Once they have a deal, they can send it to a mortgage bank or a wholesale lender. They need to process the loan once it is approved, and can negotiate pricing with the bank or mortgage lender to receive a rebate, known as a yield spread premium. Mortgage brokers may form partnerships with real estate agents to ensure a steady stream of new business.

Loan officers work at retail banks or under mortgage brokers, and basically do the same thing a broker would do, except they don t need to be licensed. They solicit borrowers using direct mail, telemarketing, and similar practices. Brokers usually provide them with office supplies and leads, and each take a split of the total commission. They may not need be well experienced, so take caution if and when one solicits you to ensure they are well educated on mortgages.

Related: Take a look at the top mortgage lenders in the second quarter of 2010.


Compare Home Loans and Mortgages with ING DIRECT #home #loan #rates


#ing mortgage rates

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Find that home loan.

Important Information

# The ING DIRECT Borrowing Power Indication is not an offer of credit. If you wish to apply for a loan please call us on 1800 100 258. Any application for credit is subject to ING DIRECT’s credit approval criteria.

An application for credit is further subject to satisfying:

  • – A satisfactory valuation of the security property being offered.
  • – Legible copy of the Contract of Sale.
  • – Receipt and validation of all necessary documentation to certify assets, deposit and security.
  • – Confirmation of personal and financial details.
  • – Satisfactory credit reference report.

Information and interest rates are current as at and are subject to change. All applications for credit are subject to ING DIRECT’s credit approval criteria. Fees and charges apply. Details of these and the terms and conditions are available at ingdirect.com.au or by calling 133 464. All features are not available for every type of loan. Interest rate discounts for LVR 90% or less are available only for new owner occupier borrowings and new to ING DIRECT security property. Interest rate discounts may be withdrawn for new customers at any time. WARNING: If you select a fixed rate loan, break costs may be payable if at anytime before the fixed interest period expires, you pay out your loan or you make additional payments of $10,000 or more in any year of the fixed interest period, or you ask us to change your loan type or fixed interest period. Break costs may be substantial. With an Orange Advantage home loan, an annual fee of $199 applies ; and 100% interest offset when linked to our Orange Everyday transaction account and you make a deposit into this account. The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to our home loan products you should read the relevant Terms and Conditions booklet and Fees and Limits Schedule. To view these documents you may need Adobe Acrobat. Products are issued by ING DIRECT.

ING DIRECT is “Australia’s Most Recommended Bank” according to Nielsen Consumer & Media View Jul ’15 – Dec ’15 (n=9,552) when compared by customers of 14 other banks operating in Australia.

Testimonials appearing on this site were obtained from customers as part of the ‘Tell Isla’ campaign from https://www.campaigns.ingdirect.com.au/isla/ (no longer accessible) in May-June 2015. They are individual experiences of customers that have used our products and/or services. We do not guarantee that they are typical results that consumers will generally achieve. Testimonials are not necessarily representative of all those who will use our products and/or services.

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ING DIRECT is a division of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.

For information about the Australian Government Deposit Guarantee, click here. ING DIRECT Living Super (which is part of the ING DIRECT Superannuation Fund ABN 13 355 603 448) is issued by Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153.


ING DIRECT, banco online sin comisiones – People in Progress #help #with #mortgage


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Triplica tus ganas de Bolsa

Hasta el 31 de octubre, tienes 3 grandes motivos para invertir con Broker NARANJA: 50€ de regalo por tu primera compra o traspaso, 3 meses sin comisiones de compraventa y un 1% de abono al traspasar tu cartera.

Sin comisiones, sin condiciones

Nuestra Cuenta NÓMINA está pensada para hacerte la vida más sencilla. Con tarjetas gratuitas, transferencias gratis en el mismo día y la facilidad de hacer todo lo que quieras desde tu móvil.

Cero comisiones, cero ataduras

Pedir un Préstamo NARANJA sin ser cliente de ING DIRECT no es infidelidad a tu banco. Contrátalo ahora, sin ataduras y sin necesidad de traer tu nómina.

Tu Cuenta N MINA, sin papel

Sin comisiones, sin condiciones… ¡y ahora también sin papel! Abre tu Cuenta NÓMINA de forma rápida y sencilla desde tu móvil u ordenador y empieza a disfrutar de todas sus ventajas: tarjetas gratuitas, transferencias sin coste en el mismo día, descuentos en Shopping NARANJA…

Cambio de moneda online

¿Te vas de viaje y necesitas cambiar de moneda? Ahora, como cliente de ING DIRECT, puedes hacerlo cómodamente de forma online y recibir el dinero en casa en solo unos días.

Informaci n sobre cajeros

Seguramente ya has podido comprobar que la forma de sacar dinero en los cajeros de nuestro país ha cambiado en 2016. Por eso, nos gustaría explicarte la situación actual e informarte sobre cómo puedes seguir sacando dinero sin pagar comisiones en más de 44.000 cajeros.


Direct mortgage lender for FHA, VA and HARP home loans – New American Funding #td


#direct mortgage lenders

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Simplify Your Home Loan with a Licensed Mortgage Lender

Your home is your biggest investment. It’s important to work with the right mortgage company to protect that investment. When financing your home, you need an experienced, reputable company and an agent who gives you facts, not opinions. You need to find the right loan with a great rate, and you need to get it closed quickly. This is what New American Funding can offer you.

Giving you added security

As an FHA Direct Endorsement (DE) and Government Approved direct mortgage lender, we offer you the safety and security you’re looking for in home financing. We have helped thousands of customers buy a new home or refinance over the last decade, earning us an A rating with the Better Business Bureau.

Taking out the middle man

We’re a direct mortgage lender, not a broker. That means no middle man and no broker fees. We handle the entire loan process in-house from processing to underwriting and finally funding your loan.

Finding the right loan for you

Whether you’re buying a home or looking to refinance, we offer a variety of loan options, including FHA Home Loans, VA Loans, Fixed Rate and Adjustable Rate Mortgages, Conventional Loans, Jumbo Loans, Reverse Mortgages and more.

Ask about our fast, on-time closings

We are an all-inclusive mortgage banker. From origination to funding, our processors, underwriters and funders all work under one roof, creating a cohesive team that enables us to close loans fast.


ING DIRECT Australia – Introducer Online – Residential Mortgages – Interest Rates #calculate #mortgage #interest


#ing mortgage rates

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Residential Mortgages

*Aggregate borrowing refers to total new residential ING DIRECT borrowings, excluding commercial loans.

To be eligible for Orange Advantage & Mortgage Simplifier LVR Based interest rates, the following conditions apply:

  • Loan purpose must be owner occupied
  • Applications must be for a new loan with new security property to ING DIRECT
  • The interest rate applicable is based on the capitalised LVR including any applicable LMI

Fixed Rate Loans will revert to the current Mortgage Simplifier variable interest rate at the end of the fixed interest or construction period.

Important points to note:

  • Where applicable LVR Based Interest Rates will apply.
  • The interest rate discount that will apply at the end of the fixed interest or construction period will be outlined in the customer?s loan documentation

For this to apply, the original loan amount, loan purpose and LVR must be eligible for LVR based interest rates at the time of application

Important info

Information and interest rates above are subject to change. All applications for credit are subject to ING DIRECT’s credit approval criteria. Interest rate discounts for LVR 90% or less are available only for new owner occupied borrowings and new to ING DIRECT security property. This offer may be withdrawn at any time. Fees and charges apply.?

The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

WARNING: If you select a fixed rate loan, break costs may be payable if at any time before the fixed term expires, you pay out your loan or you make additional payments of $10,000 or more in an anniversary year, or you ask us to change your loan type or fixed interest period. Break costs may be substantial.

Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to any of our products you, and your clients, should read the relevant Terms and Conditions booklet, available at our website or by calling 133 464. If you, or your clients, have a complaint, please call 133 464 at any time, as we have procedures in place to help resolve any issues you, or your client may have. Products are issued by ING DIRECT, a division of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.


ING DIRECT, banco online sin comisiones – People in Progress #atlanta #mortgage #rates


#ing orange mortgage

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Triplica tus ganas de Bolsa

Hasta el 31 de octubre, tienes 3 grandes motivos para invertir con Broker NARANJA: 50€ de regalo por tu primera compra o traspaso, 3 meses sin comisiones de compraventa y un 1% de abono al traspasar tu cartera.

Sin comisiones, sin condiciones

Nuestra Cuenta NÓMINA está pensada para hacerte la vida más sencilla. Con tarjetas gratuitas, transferencias gratis en el mismo día y la facilidad de hacer todo lo que quieras desde tu móvil.

Cero comisiones, cero ataduras

Pedir un Préstamo NARANJA sin ser cliente de ING DIRECT no es infidelidad a tu banco. Contrátalo ahora, sin ataduras y sin necesidad de traer tu nómina.

Tu Cuenta N MINA, sin papel

Sin comisiones, sin condiciones… ¡y ahora también sin papel! Abre tu Cuenta NÓMINA de forma rápida y sencilla desde tu móvil u ordenador y empieza a disfrutar de todas sus ventajas: tarjetas gratuitas, transferencias sin coste en el mismo día, descuentos en Shopping NARANJA…

Cambio de moneda online

¿Te vas de viaje y necesitas cambiar de moneda? Ahora, como cliente de ING DIRECT, puedes hacerlo cómodamente de forma online y recibir el dinero en casa en solo unos días.

Informaci n sobre cajeros

Seguramente ya has podido comprobar que la forma de sacar dinero en los cajeros de nuestro país ha cambiado en 2016. Por eso, nos gustaría explicarte la situación actual e informarte sobre cómo puedes seguir sacando dinero sin pagar comisiones en más de 44.000 cajeros.