JUMBO & SUPER JUMBO

Situations vary for each type of client, most real estate agents will require a pre-qual mortgage (pre-qualification) to ensure that you are a good candidate for various properties they are going to show you. Some more expensive properties require a pre- approval mortgage to make sure that you really can be able to handle the larger purchases, usually over $855,000. The requirement varies by area. We never charge for either one, but we will be required to collect the data to do our due diligence and a proper analysis. No money down mortgage using mortgage calculator to find mortgage rates. Best mortgage loan using a mortgage loan calculator, to know what are mortgage rates today.

Every file is reviewed and analyzed to make sure it is a proper fit for your particular situation. We never turn a file into our chosen lender until it has been fully vetted, ready to underwrite. We will always get you the best rate guaranteed, based on the rate you qualify for, every time! Our team as a mortgage broker is available to answer every question you have. Having processed thousands of clients, we are ready to help you have the easiest financing experience ever. Smooth, accurate and courteous. Our friendly experienced team will amaze you. What can we do for you today? No money down mortgage using mortgage calculator to find mortgage rates. Best mortgage loan using a mortgage loan calculator, to know what are mortgage rates today.

CONTACT INFORMATION Call 631-451-7400 or click/Text 631 512-1248 .

Fiancial Services of America, LLC

Conventional Mortgages and SONYMA Mortgages

SO

Or a SONYMA Mortgage which is for NY residents only, as first time buyers, special down payment assistance available - contact us for all the details.

Our Approach

What ever you need, we have it. FHA, VA, USDA, SONYMA, conventional, Jumbo, condo, co-op, lender, broker, mortgage calculator, best, loan, rates, mortgage broker,Holbrook, Old Field, East Setauket, NY, New York.

Programs FHA, VA, USDA, SONYMA, conventional, Jumbo, condo, co-op, lender, mortgage broker, mortgage calculator, best, loan, rates, Holbrook, Old Field, East Setauket, NY, New York. No money down mortgage using mortgage calculator to find mortgage rates. Best mortgage loan using a mortgage loan calculator, to know what are mortgage rates today.

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If a Credit Union,bank anyone asks for an application fee RUN AWAY! We charge 0 Nada NOTHING!! Be aware that you DON’T have to pay to get approved - We DON’T charge an application fee because it isn’t fair to charge someone you haven’t even reviewed. 30+ yrs, helped 1,000s get the home of their Dreams. How can I help YOU? 98.9% loans close on or before contract date. We help, selecting the right mortgage for you. I have a 5 star rating because we care about every client and treat you with respect. Fast, smooth service, every time. I love mortgages!

Additional Information that may be useful to understand about mortgages: what is a mortgage broker Mortgage broker Intermediary who brokers mortgage loans on behalf of individuals or businesses A mortgage broker acts as an intermediary who brokers mortgage loans on behalf of individuals or businesses. Traditionally, banks and other lending institutions have sold their own products. As markets for mortgages have become more competitive, however, the role of the mortgage broker has become more popular. mortgage broker noun 1. a person or company that arranges mortgages between borrowers and lenders: "get an independent mortgage broker to check the deal represents a good rate" find a mortgage broker Connecting with an independent mortgage broker in your area means having a local expert by your side for one of life's biggest financial decisions. Because they are independent, licensed professionals, mortgage brokers can shop multiple lenders — giving them access to more home loan options than what a bank or online lender can offer. The result is a cheaper, faster and easier mortgage for you. One that is tailored to your specific home financing needs. So, whether you're buying a home or refinancing, find your perfect mortgage match by working with a mortgage broker. No money down mortgage using mortgage calculator to find mortgage rates. Best mortgage loan using a mortgage loan calculator, to know what are mortgage rates today. best mortgage brokers Best Mortgage Broker - If you are looking for a way to lower your expenses then use our options to help reduce payments. today's mortgage rates, find a mortgage broker, why use a mortgage broker, list of mortgage companies, list of all mortgage companies, best mortgage brokers in nj, current mortgage rates, best mortgage brokers in NY is Jim Pendleton, MrMortgage. free mortgage brokers Initially most mortgage brokers are free, but you should always ask first, to be sure. Independent mortgage brokers have a very unique edge that makes them very proficient in service delivery. One advantage of using independent brokers is the array of information and deals to which they have access. Because they transact with multiple lenders, they are well connected and have in-depth knowledge about the ins and outs of brokerage service. It is safe to say that the independent broker is connected to a large number of lenders; some are connected to over twenty lenders. This variance gives you alternatives and the ability to make choices that suit your best interests. independent mortgage brokers Independent mortgage brokers have a very unique edge that makes them very proficient in service delivery. One advantage of using independent brokers is the array of information and deals to which they have access. Because they transact with multiple lenders, they are well connected and have in- depth knowledge about the ins and outs of brokerage service. It is safe to say that the independent broker is connected to a large number of lenders; some are connected to over twenty lenders. This variance gives you alternatives and the ability to make choices that suit your best interests. mortgage lenders vs banks A mortgage lender is an institution that loans you money to buy a house. Of course, you’re expected to pay the loan back with interest. That’s a given. But the basic idea is that a mortgage lender makes it financially possible for you to buy a new home. Simple enough, right? Your Bank is a Mortgage Lender. Your local bank is a mortgage lender. first time home buyer grants Grants and specialized loan programs for first-time home buyers are available in cities and counties throughout the United States. These programs provide down payment and/or closing cost assistance in a variety of forms, including grants, zero-interest loans, and deferred payment loans. This is not a complete list, but it can serve as a starting point in your search for the down payment assistance program or grant for your situation. A grant is a loan, normally with no payment or interest due, until time or loan period passes. Typically, 10,15 year terms with the conditional rider that says you stay in the home until the time is up, or you will owe the grantor the money back, minus the time you stayed in your home, all conditions are disclosed before you are granted the funds. mortgage broker lender Mortgage Broker vs Bank. A mortgage broker has the ability to find the best mortgage program through multiple lenders including large banks. However, a bank will typically have just their own mortgage programs to offer with fewer options than a broker. Final take on a Mortgage Broker vs Small Lender vs Big Bank broker vs direct lender The mortgage industry is full of individuals and companies that help people get access to financing for one of the biggest investments in their lives. These entities include mortgage brokers and direct lenders. While they may provide services to people seeking mortgage loans, they are very different. A mortgage broker acts as an intermediary by helping consumers identify the best lender for their situation, while a direct lender is a bank or other financial institution that decides whether you qualify for the loan and, if you do, hands over the check. lender vs bank Broker vs Lender. The difference between a broker and a lender is that the lender provides money to the debtor, whereas a broker is an agent who offers the loan products provided by various investors. There are two types of lenders, retail lenders and wholesale lenders. Those who commence with the loan process themselves are called retailer, and those who hire contractors or brokers are called wholesale lenders. loan broker A loan broker is a person that can help you find a loan or any type of financing to get your business off the ground. They have built up years of connections and have a deep network within this industry to find you the perfect loan. mortgage broker vs mortgage lender Mortgage Broker vs Bank. A mortgage broker has the ability to find the best mortgage program through multiple lenders including large banks. However, a bank will typically have just their own mortgage programs to offer with fewer options than a broker. Final take on a Mortgage Broker vs Small Lender vs Big Bank real estate loan calculator A mortgage is a loan secured by property, usually real estate property. Lenders define it as the money borrowed to pay for real estate. In essence, the lender helps the buyer pay the seller of a house, and the buyer agrees to repay the money borrowed over a period of time, usually 15 or 30 years in the U.S. Each month, a payment is made from buyer to lender. A portion of the monthly payment is called the principal, which is the original amount borrowed. The other portion is interest, which is the cost paid to the lender for using the money. There may be an escrow account involved to cover the cost of property taxes and insurance. The buyer cannot be considered the full owner of the mortgaged property until the last monthly payment is made. In the U.S., the most common mortgage loan is the conventional 30-year fixed-interest loan, which represents 70% to 90% of all mortgages. Mortgages are how most people are able to own homes in the U.S. Patchogue, Bayport, Bluepoint. mortgage brokers When shopping for a mortgage, many home buyers enlist the services of a mortgage broker to find them the best terms and rates. In the wake of the real estate market crash in 2008, however, the business practices of brokers came under scrutiny, and the question of whether they act in customers' best interests was raised. Working with an experienced, competent mortgage broker can help you find the right mortgage. All the same, there are both advantages and disadvantages to consider before committing to a mortgage broker.

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