There are 84,631 mortgage brokers, 2,539 unique loan programs, and only one of you. Are you needlessly spending hundreds of dollars more than you need to each month for your mortgage because you have the wrong loan type for your circumstances? Let me be the one to help you untangle the confusing number of choices and point out the best mortgage for you. You might Shop Until They Drop (interest rates, that is) if you aren't careful.
Understand your options, and their costs. Don't make a 30-year mistake by making assumptions.
You've been bombarded with advice by well-intentioned, although clearly ill informed people, that a 30-year fixed mortgage loan type is the only loan to consider. To dispel a long-standing untruth, a 30-year fixed mortgage is not necessarily the best alternative for a mortgage.
In fact, this is the most expensive loan type available. Why? The fact is that 96.5% of homeowners sell and move, or refinance, within 7 years of taking out a loan. So why force a lender to commit to a 30-year fixed interest rate mortgage when you could 'buy' a 7-year interest rate commitment at a lower interest rate? Then again, a 30-year fixed loan type may fit your needs.
The latest trend of 40-year loans might fit you even better. We offer nearly all our loans amortized over 40 years as well as 30 years. That translates into lower monthly payments for you. You can find out how much a difference it will make by changing the term from 30 to 40 years in any of our calculators.
Find the reasons to consider allowing me to help you obtain a home loan by clicking Why Choose Us?
Click on one of the links below to learn more about your options. Or, learn even more by signing up to receive Mortgage Insider Secrets! Better yet, fill out our on-line application and let me help match your requirements with a lending program. By the way, you can also Get Pre-qualified right now.
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We can help you with mortgage loan financing for almost any situation. For example:
We DO NOT offer loans except when real estate is involved as collateral. For example, we do not offer:
Whatever your situation, Lightning Mortgage can work with you to make sure you get the perfect loan for your lifestyle. Apply now.
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