Mortgage Navigators LLC is an independent mortgage broker business located in downtown Littleton. This business model allows Mark and his associates to compare prices, processes, and varying underwriting criteria providing our clients with better solutions at more competitive terms.
Our associate's broad experience with conventional, FHA, VA, USDA, HECM, and the ever growing segment of portfolio programs allows us to navigate through sometimes complex situations with multiple lenders providing our clients with choices that may not be available from single source lenders.
Our associate's broad experience with conventional, FHA, VA, USDA, HECM, and the ever growing segment of portfolio programs allows us to navigate through sometimes complex situations with multiple lenders providing our clients with choices that may not be available from single source lenders.
Services
The decision to own a home is for some a cornerstone of financial independence. For others, it's a comfortable place to create memories and raise a family, and still for others is a place to be creative, grow a garden, a yard for pets, or a place to entertain friends. Regardless of the initial purpose, it's really all the above.
With an Adjustable-Rate Mortgage (ARM), the interest rate stays constant for a specified loan period and then fluctuates based on market conditions. An ARM typically has a lower interest rate than a 30-year Fixed-Rate Mortgage for the initial fixed-rate period. However, at the end of the initial fixed-rate period, the interest rate becomes variable and may move up or down depending on the direction of the mortgage index it is associated with.
A Conventional Mortgage is simply any mortgage loan that is not insured or guaranteed by the federal government. With an Adjustable-Rate Mortgage (ARM), the interest rate stays constant for a term and then fluctuates based on market conditions. Mortgage Navigators offers a 10/1 ARM, 7/1 ARM, 5/1 ARM, and 3/1 ARM.
FHA-Insured Loans offer many benefits and a level of security that you won't find in other loans. While these loans are funded by Mortgage Navigators LLC, the Federal Housing Administration (FHA) insures these mortgages so Mortgage Navigators LLC can offer you a better deal.
With flexible qualification guidelines, these loans are particularly designed to benefit first-time homebuyers and buyers who don't have perfect credit or a lot of money to put down.FHA 203(b) Home Mortgage Loans for qualified buyers wanting to purchase or refinance a primary residence.
With flexible qualification guidelines, these loans are particularly designed to benefit first-time homebuyers and buyers who don't have perfect credit or a lot of money to put down.FHA 203(b) Home Mortgage Loans for qualified buyers wanting to purchase or refinance a primary residence.
A perfect 12-month payment history: No 30-day, 60-day, or 90-day late payments are allowed. Existing loans must be current at the time of closing. A 210-day waiting period between refinances: The FHA requires that borrowers make six mortgage payments on their current FHA-insured loan and that 210 days (about seven months) pass from the most recent closing date in order to be eligible for an FHA Streamline Refinance.
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