Kings Bay Saint Marys & Kingsland Georgia Real Estate
So, you have made the decision that you would like to become a homeowner. As lenders, we have to perform a credit check. The credit we review are provided by all three reporting agencies. Equifax, Experian and Transunion are the three agencies lenders use. The middle of all three beacon scores is the one used to qualify a borrower for a mortgage.
Many lenders will deny would be borrowers if their mid-score is less than 620. However I take a different view of credit scores and look for a way to get the loan approved. There are sub-prime loans available for borrowers with low credit scores, however I believe that it is in the best interest of my clients to take the time to make some small repairs to their credit. By doing this, I am not only providing a valuable service that helpsmy clients, but I am able to save them from 2% to 4% on a fixed mortgage rate.
How long does it take before you can close on a loan? Usually from 30 to 60 days. It depends on how quickly you can provide me with the information to repair the credit.
How much does this cost? Nothing,provided you get your mortgage through my company.
It is best to contact me before you look at houses with your realtor. This way, you will have a pre-approval before you select your new home.
Contact me by visiting my website at www.thebestmortgageguy.com
Glenn Keller is a veteran in the mortgage industry and specializes in VA, FHA and Conventional home mortgages. Glenn is a Georgia representative with Affordable Home Funding at 1204 Hospitality Ave., Kingsland Georgia 31548
Latest News
 ABC News | A Rush Into Refinancing as Mortgage Rates Fall New York Times, United States - Mortgage rates immediately dropped, and that led to a surge in mortgage refinancing activity for the week — even with the Thanksgiving holiday. ... Treasury mulls plan to lower mortgage rates to 4.5% Homeowners' Refinancing Jumps by Record Pace Proposal could drop mortgage rates to 4.5 percent |
 Emirates Business 24/7 | Mortgage Refinance Applications Soar As Rates Fall EasyBourse.com, France - The Mortgage Bankers Association's index of refinance applications posted a record 203.3% increase over the previous week. Additionally, the US Treasury ... Fed will buy $500 billion in securitized home loans Mortgage rates fall, but many borrowers will have trouble qualifying US move cuts mortgages to lowest rate since February |
 RTT News | US MBA’s Mortgage Applications More Than Doubled Last Week Bloomberg - The Mortgage Bankers Association’s index of applications to purchase a home or refinance a loan jumped 112 percent to 857.7, the highest level since March, ... FINANCIAL STOCKS Bulls outlast bears in Wednesday grudge match Mortgage Apps On Rise As Rates Drop UPDATE 1-US mortgage applications post largest gain ever |
VA Specialty Lender Offers 100% Mortgage Refinancing PR Web (press release), WA - Salt Lake City, Utah (PRWEB) December 3, 2008 -- iFreedom Direct Corporation, a Salt Lake based mortgage company, is now offering 100% VA refinance "cash ... |
 Reuters | Bernanke Says US Must Step Up Foreclosure Efforts (Update1) Bloomberg - ... been prodding private mortgage servicers and bond investors to cooperate with government efforts to modify or refinance loans for troubled borrowers. ... Bernanke: More foreclosure help needed Op-Ed: Fed Throws Refinancing Party; No One Shows Up The Fed's Potentially Very Bad Policy |
Carmen: Time Is Right to Refinance Your Mortgage CNBC, Englewood Cliffs - Despite the doom and gloom in the economy, there's actually a glimmer of hope shining through for homeowners looking to refinance. The average interest rate ... |
Lower mortgage rates help but jobs, prices key Reuters - Applications to buy and refinance homes hurtled higher last week as the lowest rates since the summer of 2005 unleashed pent-up demand. ... |
 The Associated Press | Bally Total Fitness files for bankruptcy again San Francisco Chronicle, USA - Refinance volume more than tripled, while purchase volume increased 38 percent. Refinances accounted for 69.1 percent of applications, up from 49.3 percent. ... Thanksgiving week saw rise in mortgage activity |
Low rates breathe life into mortgage market Columbus Dispatch, OH - Spurred by average interest rates on 30-year fixed mortgages that are under 5.5 percent, many homeowners are considering refinancing. "The mortgage rates ... |
Refinancing a viable option for certain homeowners Monitor, TX - For the many locals who are still paying off subprime mortgages, refinancing is also likely not an option. But with a 30-year mortgage rate at close to 5.5 ... You can still refinance loans |
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