Mortgage Lending has changed as much as any other industry over the last 10 years. To educate our clients on the home loan process, we have created a step by step guide for your review and consideration. The key take away here is to obtain your financing first! This eliminates stress and makes the overall purchase process much easier on everybody.
Thank you TJ Frank so much for finding us the perfect home and Tory Pietzsch and his amazing team at The Efinity Group. Lauren and I are so excited to start yet another chapter in our lives and raising our son in such a lovely neighborhood! Made the impossible happen!
Thank you TJ Frank so much for finding us the perfect home and Tory Pietzsch and his amazing team at The Efinity Group. Lauren and I are so excited to start yet another chapter in our lives and raising our son in such a lovely neighborhood! Made the impossible happen!
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The most common type of mortgage program in the US is the Fixed Rate. Here your monthly payments which are based on the amount, the interest rate and principal never change. Property taxes and homeowners insurance are not included in the Loan and as such may increase. By in large your monthly payments will be very stable.
Adjustable Rate Mortgages (ARMs) have a distinct advantage of beginning with a lower interest rate than that of a fixed rate mortgage, typically, 1-2 percent below a comparable fixed rate mortgage. There are several characteristics to ARM loans. They include the Index, the Margin, Change Caps, Payment Caps, and lifetime Caps.
Competitive interest rates. Favorable loan terms. No required down payment. VA loan programs help eligible veterans and active duty service members become homeowners and provide refinance options to those with existing mortgages.
A VA home loan with no required down payment and favorable loan terms for Active Duty Service members, Veterans, Reservists, National Guard members, surviving spouses, and certain other individuals who meet eligibility requirements can use VA loans to purchase homes or refinance existing mortgages.VA loans are guaranteed by the Department of Veterans Affairs.
A VA home loan with no required down payment and favorable loan terms for Active Duty Service members, Veterans, Reservists, National Guard members, surviving spouses, and certain other individuals who meet eligibility requirements can use VA loans to purchase homes or refinance existing mortgages.VA loans are guaranteed by the Department of Veterans Affairs.
Reverse Mortgages are a popular choice for homeowners who've built equity in their respective home. Marketed as a financial tool, Reverse Mortgages are designed by the federal government as a form of financial relief for homeowners 62 and older. It allows seniors to stay in their home, eliminate their current mortgage payment, and access their equity - tax-free!
A Cash-Out Refinance of an existing mortgage can provide the money you need at an attractive interest rate and payment. Boost your home's value. Transform home equity into cash. Avoid high-interest debt. Home equity loans allow you to borrow against the value of your home. Each state has different laws which limit the amount of equity a homeowner can access.
Reviews (12)
Amanda O'Connor
Sep 14, 2021
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Lisa Flores
Jul 29, 2021
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Sylvia was so helpful, she walked us through refinancing our house. She was able to find us a very good deal, cut our mortgage loan in half, not only that we went from a 4% interest rate to a 2.5 %. That help us so much and receive a great monthly payment. I highly recommend Sylvia, refinance process was smooth and on time as promise.
Greg J.
Jun 01, 2021
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I am currently experiencing the same lack of service, very similar to another reviewer. I've never seen a lender as the cause for a deal to fall apart but Tory spends more time on excuses than working on my transaction. We had ~45 day escrow and we've not only missed our closing date but he can't provide any realistic guidance on when he might wrap up his part of the deal and allow us a new closing date.
Total lack of urgency and consideration for other people's lives. Allow your office to help if you're having issues. Don't make that your clients problem!
Never again
Total lack of urgency and consideration for other people's lives. Allow your office to help if you're having issues. Don't make that your clients problem!
Never again
Oscar Rodriguez
Jan 29, 2021
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Christopher Sterlacci
Jul 06, 2020
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Lina A.
Jul 09, 2018
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If i could give this company 0 stars trust me I would. Absolutely the worst mortgage company ever. Please don't waste your time and energy with this poor excuse of a business. Worst customer service i have ever experienced. We've been going back and forth with them for 8 months, yes you've read that right 8 months now! When they want answers they want them immediately, but when you need answers be ready to wait a year. Their communication is horrible, they do not return calls or emails. You literally have to almost stalk them to even get a reply back. No company is that busy. Moral
Esperanza I.
Sep 08, 2017
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Neil Sinha
Jul 01, 2017
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Randi Stern
Jun 13, 2017
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Tina Pace
May 23, 2017
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Katie H.
Nov 28, 2016
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Efinity Mortgage made getting financing and closing on our dream home quick and painless. Jason kept us up to date with the process and contacted us immediately when additional paperwork was needed. We were able to do everything by phone and email which meant no time was needed away from work so a definite plus. Thank you Jason and Efinity Mortgage for us into our dream home!
Tad Boyd
Sep 13, 2016
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