The Initial Mortgage, Inc. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program at the lowest rate no matter what your needs are. The goal here at Initial Mortgage, Inc. is to create lasting relationships with each and every client and to continue providing excellent service for many years to come.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program at the lowest rate no matter what your needs are. The goal here at Initial Mortgage, Inc. is to create lasting relationships with each and every client and to continue providing excellent service for many years to come.
Services
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole. We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.
Our bank statement program is ideal for people who are self-employed. Our team saves you time by reviewing statements, analyzing deposits, and calculating income for submissions so you can close more loans. 12 or 24 month business bank statements (must own at least 25% of the business over the past 2 years).
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then stable-rate loans are usually cheaper.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.
This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you'll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years.
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
Reviews (7)
Connie Neubauer
Dec 23, 2021
Report
Initial Mortgage help our niece with her first mortgage. Her financial situation was not cookie cutter, so they needed to get creative. Nick and Lisa (and all involved in this transaction) kept us all updated throughout the process. End results….. got her the funding she needed to purchase her home!
Yesenia Martinez
Dec 19, 2021
Report
Nick, Julian, and the rest of his team did a great job with my loan! As a first time home buyer, Nick sat down with me and thoroughly explained the buying process and worked diligently to make sure we hit our targeted closing date. He went out of his way to make sure I knew all my options and answered my questions in a timely manner. I recommend working with Nick!
Amber Z.
Dec 17, 2021
Report
Julie Whitetree
May 11, 2021
Report
Tarek Mustafa
Nov 02, 2020
Report
I work directly with Nick and Lisa on my house refinance and they were extremely professional and highly knowledgeable of all the process, they answer all questions fast and accurate
The process was very challenging due to my special case but they help all over it
I do highly recommend Them any time
10 stars
The process was very challenging due to my special case but they help all over it
I do highly recommend Them any time
10 stars
Jessie Drury
Oct 07, 2020
Report
I work directly with Initial Mortgage, Inc. on a regular basis. Nick is an extremely knowledgeable and reliable mortgage broker. This same knowledge and experience led to a better rate, lower payment, and it only took two weeks! Initial Mortgage is a great place to start in the process of looking for a home or getting a refinance.
Anthony Bruscato
Jun 18, 2020
Report
