Understanding Your Mortgage
We make it easy for you to find just the right home loan for your needs no matter what your credit history, current home loan amount, or mortgage goals. The information provided below will give you a helpful start to finding the answers for your home financing needs.
Traditional 15- and 30-year fixed rate home loans are popular when interest rates are low and you plan on staying in your home for more than 10 years. Short-term fixed rate home loans also let you lock-in a good rate and are ideal when you may only stay in your home for a shorter period. Adjustable rate mortgages often begin even lower and then fluctuate according to the market.
Fixed Rates
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30 Year
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20 Year
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15 Year
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Short-Term
Fixed Rate
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30 Year
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20 Year
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15 Year
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Adjustable
Rate Mortgages
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10/1 ARMs
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7/1 ARMs |
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5/1 ARMs
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3/1 ARMs
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1/1 ARMs
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Adjustable
Rates
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30 Year
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20 Year
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15 Year
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Need lower monthly payments?
Extra cash? A fixed
mortgage rate?
Refinance now!
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Home Loan Center can help!  |
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Home loans aren't just for new homeowners. We offer financing for a wide variety of property types, from single-family residences to high-rise condominiums. What do you have in mind?
Property Types
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Single Family Homes
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Condos |
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High Rise Condos
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Townhomes |
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2-4 unit homes
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Occupancy Types
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Owner Occupied |
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Second or Vacation Homes |
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Rental or Income Properties
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HomeLoanCenter.com offers home loan programs that cater to a variety of income sources, from salaried and self-employed to independent contractors, pensioners, and retirees. If you aren't sure which category you fit into one of our Mortgage Bankers will be happy to assist you at 1-800-756-0789.
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Full Documentation
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Easy-Doc
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Stated Income
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Retired/Pension
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Self-Employed Income
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Independent Contractors
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| How you've managed credit in the past can definitely affect the type of loan you'll qualify for. Your mortgage credit rating, known as a FICO score, is one of the main factors lenders use to evaluate you as a credit risk. Whether you've had a perfect record or gone through some tough times with credit, we most likely have a loan program that will fit you today and help you improve your credit rating for tomorrow. Call us at 1-800-756-0789 to see how your credit can help you with your financing. |
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Loan-to-value (LTV) is the amount of financing you are able
to receive based on your credit, home loan amount, property value, and
occupancy. We strive to offer you the flexibility to find the program that
works best for you.
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