Excel Mortgage Corp, USA is a local, independently owned mortgage broker. Excel was established in 2007 with a simple goal; provide excellent service, and honest rates and fees. With a combined fifty- year experience in the industry, our team has been able to guide thousands of prospective home buyers and current home owners through the sometimes-complicated mortgage process.
We have been selective in choosing our wholesale lender partners as we demand the same attention to service and competitive pricing that we know our consumers deserve. Excel offers a wide variety of conventional, jumbo, FHA, VA, and USDA loan programs. We work diligently to find the right product and program to meet your needs - not ours.
We have been selective in choosing our wholesale lender partners as we demand the same attention to service and competitive pricing that we know our consumers deserve. Excel offers a wide variety of conventional, jumbo, FHA, VA, and USDA loan programs. We work diligently to find the right product and program to meet your needs - not ours.
Services
Excel Mortgage Corp, USA was established in 2007 by Ryan Hall and Chris Pappa. Ryan and Chris wanted to take their experience in the industry and expand it to really focus on the client. Meeting with borrowers throughout the process, attending settlements and having a live person answering the phones are just few small ways that show the company's accessibility and dedication to customer service.
With a fixed rate mortgage, the interest rate stays the same throughout the life of the loan, which means your monthly principal and interest payments won't change. You can choose a loan term between 10 and 30 years. We offer programs with low down payments and no monthly mortgage insurance payments, plus additional options for first time homebuyers.
We can help you find the financing solution that's right for you. We'll take into account your target monthly payments given your unique credit history, employment history, income, debt and financial goals. Based on current underwriting guidelines, we'll provide you with an idea of what terms and loan program you can expect to benefit most from given your unique situation.
Not necessarily, but it will certainly help. It is possible to get a conventional mortgage with a fico credit score as low as 620, and you can obtain a higher cost FHA mortgage with a score in the 500's. However, be aware that the lower your credit score, the higher the interest rate could be.
The short answer is that you can get a conventional mortgage with as little as 3% down, an FHA loan with 3.5% down, and a VA or USDA loan with no money down at all.However, with a conventional or FHA loan, you'll have to pay private mortgage insurance also knowns as PMI, if your down payment is less than 20% of the home's sales price.
The short answer is that you can get a conventional mortgage with as little as 3% down, an FHA loan with 3.5% down, and a VA or USDA loan with no money down at all.However, with a conventional or FHA loan, you'll have to pay private mortgage insurance also knowns as PMI, if your down payment is less than 20% of the home's sales price.
I have worked with Ryan on multiple occasions and each time he has been Fantastic! The loan process can be quite complicated - but Ryan makes sure that everything is clear, transparent and without surprise. Our loan closings went extremely smoothly because Ryan and Excel had everything prepared and ready ahead of time.
Reviews (8)
Danielle Slater
Sep 22, 2021
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Feng Qiu
Sep 13, 2021
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Positive: Professionalism, Quality, Responsiveness
This is the second time Ryan helped me with my home mortgage. Very responsive, patient and professional! He is willing to answer any questions on any of the complicated documents or processes, making sure you feel comfortable and clear about them. Strongly recommend to any one looking for mortgage brokers!
This is the second time Ryan helped me with my home mortgage. Very responsive, patient and professional! He is willing to answer any questions on any of the complicated documents or processes, making sure you feel comfortable and clear about them. Strongly recommend to any one looking for mortgage brokers!
Donna Hedgepeth
Jan 04, 2020
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Mike G.
Dec 01, 2019
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Excel Mortgage was perfectly exceptional from start to finish. Extremely reachable, constantly in communication, always ready to answer every question, and their ability to keep costs low for you while getting you the loan you need is unmatched. Will definitely be seeking their assistance again for any other home purchases.
A. C. Wise
Oct 15, 2019
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Brian Patterson
Aug 13, 2018
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Ryan and his team were phenomenal! Our first mortgage was through a local bank which was a nightmare. When buying our second and now forever home we were referred to Excel. Not only did Ryan have a much better rate than what the same local bank I was using had, they had lower fees and actually cared about helping us close a mortgage. The original bank couldn't even answer simple questions where Ryan and his team answered complicated ones. We converted our first home to a rental property while trying to get a loan on the new house, needless to say we needed an expert. We found that expert at Excel
Keara Cosgrave
May 09, 2018
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Patrick Runyen
Dec 22, 2017
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I have done a traditional mortgage and refinancing through Ryan and his team, it couldn't have gone better. They make things very easy and clear, and most importantly they follow up. Ryan came to the closing and helped walk us through some last minute issues that came up. Could not recommend more highly.
