We are a diversified company providing Tax Preparation and accounting services, along with Correspondent Mortgage Lending and Insurance and Investment products through our affiliates. Our expertise is to determine which wholesaler will approve your loan based on your individual circumstances. Taking into account your tax returns and investment income.
We will close your loan with our warehouse line then sell your paper to a wholesale lender's whose criteria you match. This saves you time, and sets our company and our loan originators above our competitors. We structure Loans that meet Lender Criteria to get your mortgage approved! Stop wasting time trying to fit a round peg in a square hole with some other lender.
We will close your loan with our warehouse line then sell your paper to a wholesale lender's whose criteria you match. This saves you time, and sets our company and our loan originators above our competitors. We structure Loans that meet Lender Criteria to get your mortgage approved! Stop wasting time trying to fit a round peg in a square hole with some other lender.
Services
Liberty Mortgage Services, Inc. is licensed by The New Jersey Dept. of Banking and Insurance as a NJ Correspondent Residential Mortgage Lender NMLS #: 262499. We have served the community since January of 1995. Our corporate headquarters is located at 2329 Highway 34 Suite 302 Manasquan, NJ 08736-1442.
A pre-qualification letter, supplied by the mortgage broker not the lender, does not guarantee that you will get the loan, but it does raise the probability. First, it helps ensure that you are looking for the loan and the house that will be the best fit with your financial abilities. It is an estimate of what you could qualify for.
Whether you are looking for a first mortgage, adding a second mortgage or trying to refinance an existing mortgage, it is helpful to understand more about how the general loan classifications. Mortgage loans are categorized as either fixed rate mortgages (FRM), adjustable rate mortgages (ARM) or some combination (hybrid) of the two.
Lowest start rate Adjusts either every 6 months or every 12 months depending on program and grade and is based on the economy 6% ceiling for prime and 7% ceiling for sub-prime. Rate is fixed for the first 5 or 7 years, then shifts to an adjustable rate mortgage (ARM). An ARM program that is fixed for the first 2 or 3 years, then shifts into a 6 month adjustable rate mortgage.
What costs should I expect at the loan closing? At the loan closing, you will be required to pay your down payment and other various closing costs and fees. Most of the closing fees are paid by the buyer, but some of the fees are prorated, by date, to the seller and the buyer. In order to be prepared to pay the closing costs, you may request a Good Faith Estimate from the lender.
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