At W.C. Mortgage Inc., we have a saying here, "Mobiles to Mansions, " whether you are buying a manufactured house in a mobile home park or a mansion on acreage we have a competitive program for you. We treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry.
We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders. We work with a variety of different lenders.
We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders. We work with a variety of different lenders.
Services
If you're like most people, purchasing a home is probably one of the biggest investments you'll ever make in your lifetime. If you're considering buying a home, you're likely aware of the complexity of the endeavor. Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
To apply for a loan, you will have to provide the lender with detailed documentation of your financial history. The lender will request a credit report from a credit agency and will verify the information provided in your loan application. Evidence of any other assets such as bonds, stocks, or money saved in retirement programs i.e.
Refinancing is often used to lower your interest rate. If rates have dropped since you last financed your home, you may want to consider refinancing. Other common reasons to refinance include paying off a balloon payment, converting an adjustable rate loan to a fixed rate loan or to extract cash equity in your home (cash out).
Cashing out refers to the refinancing of a loan where the borrowers will borrow money on their own home. If a home is appraised at $100,000 and the borrower's outstanding mortgage loan is $60,000, it is possible to enter into an 80% cash-out refinance transaction for a loan of $80,000 (80% of $100,000).
This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs.
Reviews (12)
Amazing Health & Wellness
Apr 24, 2021
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Wayne and Amy are absolutely the best! We originally bought our house through them back in 2012. 9 years later I had to refinance our house and pull out some equity to pay off some debt because of COVID-19. They remembered exactly who we where and everything about our first loan! I am a first time mortgage holder and with below average credit, these two fought hard and got the job done! They where able to get me into an awesome interest rate and cash out! We will always use W.C. mortgage for our buying and refinance loans. They are friends, leaders, reliable, and honest. Forever grateful for them
Blake Boyce
Nov 08, 2020
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Wayne helped us buy our first home and was so easy to work with and got us an awesome rate. We then shopped around to refinance a year later and quickly realized we were wasting our time. Everyone gives you the run around and promises a rate that they can't deliver , so we went straight back to W. C. Mortgage. Wayne was on it and even got us locked in at a lower rate than we thought was possible. I will call W. C Mortgage every single time with confidence that they will deliver. And they are awesome to work with, which is rare nowadays. Thanks for everything! Josh
Leshae Jones
Sep 28, 2020
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We have used WC Mortgage for the last two homes we’ve purchased, Both Wayne and Amy are amazing, they are hard working, informative and always there to answer any questions, they made us feel so comfortable and at ease during that stressful but yet exciting time. We would definitely recommend using WC Mortgage to anyone.
Shannon Prieur
Jul 12, 2020
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Greg Gonzales
Jun 29, 2020
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Sarah S.
May 02, 2020
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The staff at WC mortgage were amazing! We were purchasing our first home and had a huge learning curve. They were so patient with us and very helpful and honest when we had questions. They were able to listen to what we wanted, needed, and help us to find the loans which would work for our situation. When we found properties we were interested in, they helped us do our homework on the property before hand, so we never had to waste our time on a property we wouldn't be able to secure! Then, they worked tirelessly to make sure we got into our home, help us to navigate speed bumps which may have
Randy N.
Jan 09, 2020
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"Trash company with trash talk. Says I am hot headed, anybody that talks to Wayne for a few minutes would get hot headed also. That's probably why they do so much business with mobile homes since there are not many lenders that do mobile homes. I would pay a little extra and go to a bank like ANB Bank before going to this place."
Luke Jackson
Oct 02, 2019
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Though this isn't a nice pretty card in the mail with good calligraphy, I wanted to take a second to say thank you very much for all your help with my home purchase.
I will never forget my first visit to W.C. Mortgage in 2016. With no previous history of knowing each other (and no appointment), Wayne was nice enough to take time out of his day to thoroughly explain my options, and by the end, I felt I owed him compensation for that knowledge (like visiting with a lawyer). Still in 2016, my living situations shifted, and I found myself renting for a couple more years. However, I was determined
I will never forget my first visit to W.C. Mortgage in 2016. With no previous history of knowing each other (and no appointment), Wayne was nice enough to take time out of his day to thoroughly explain my options, and by the end, I felt I owed him compensation for that knowledge (like visiting with a lawyer). Still in 2016, my living situations shifted, and I found myself renting for a couple more years. However, I was determined
Ashley Sarmiento
May 17, 2019
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Kim Cole
Dec 24, 2018
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Wayne and Amy are the best. They are very knowledgeable about all aspects of obtaining a loan. They are very patient with you whether you are a first time home buyer or an old hand at buying a home. I highly recommend WC Mortgage for any type of mortgage loan you are trying to get. 5 STARS all the way!
Alan Feldman
Sep 19, 2018
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Joshua M.
Feb 09, 2018
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