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100% home loans, no down mortgage loans,
zero down financing, no down payment, Down payment assistance, countrywide,100%, 90%
investment property, NOO, Online application, 100% owner occupied primary
residence mortgage loans, loanweb, ditech, pre-qualify, lending tree,
eloan, e-loan, quickenloans, quicken home loans, e-loan, 95-97% refinance, refi, real
estate, chase, ameriquest, lendingtree, jp morgan chase, h&r block, bank
loan, CA, AZ,CO, CT,HI,ID,IL, IA, KS, MA, MD, MN, MO, MS, NC, NE, NJ, NM, NV, NY,
OH, OK, OR, PA, RI, SC, TN, TX, UT, WA, VA, WI, FNMA, Fannie Mae, FreddieMac, FHA,
VA, FHA Secure
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"The PROCESS" of Closing a loan *
Getting a Mortgage Loan can sometimes seem
"initimidating". We simplify the process.
Please Follow these Steps :
Step # 1:
Fill out an Application CLICK Here to Apply or go here: http://www.mortgageoffice.vlending.com/default.aspx
(Hit the "Apply
Now" button and then go to "Set Up New Account") There is
No Charge to do this).
Step # 2: Call Al
Rodenburg, Toll-Free at : (877) 209-8600 (Direct#: (281) 576-7655) - to review your Application and Goals (we will need to pull and Review your Credit Report with you).
Step # 3: "PreApproval" will be e-mailed to you, within 24-hours**.
We should be able to email you a PreApproval letter within 1 business day (many times
sooner). Please call with Questions: (281) 576-7655
Whether it's a Purchase; debt
consolidation refinance; refinance for Better Rate,
Cash for a special project, etc., we are there to help.
** IF you have requested a program
that you don't qualify for, we will recommend another program or course of action.
While waiting to get
"Pre-Qualified", please start preparing
documentation to be faxed to our office. This can include copies of:
- Last 2 years' W-2 and or Tax Returns (tax returns generally only required for
self-employed borrowers)
- Last 2 month-to-date pay stubs (year-to-date "Profit & Loss Statement" if
self-employmed)
- Last 3 months' personal bank statement copies
- Purchase / Sales Contract - if a Purchase (including ALL
addendums)
- Copies: Existing mortgage statement(s) - if a Refinance
- Name & Phone # of your Insurance company / agent
Please FAX these to : (713) 589-2003
4. After your loan file is Pre-Qualified, we will contact you to review Loan
"options" - typically your Loan Specialist should have at least 2 options for
your specific situation.
5. Loan Documents for you to sign will be made available to you
asap. Please Sign and return (Original) signed copies ASAP (make
& keep Copies for your files).
You will be notified which address to return documents to (typically you are
emailed a FEDEX airbill to print out and use). Our Processing FAX #: (713) 589-2003.
Note:
All Title Orders, File Processing, Ordering of Insurance, Ordering of Appraisal
will be handled by Lorie Quinlin. That is the most effective way for us to
work and for you to have the time to develop your business.
If you all would like to handle the initial introduction to the customer, that is
fine. From a compliance perspective, we need to work directly with
clients.
p.s.
States(21) that we can assist you in now are:
AK,AR,CO,FL,GA,HI,IN,IA,MI,MN,MO,NE,NH,NJ,NM,ND,SD,TN,TX,VA or WY.
NOTE:
Appraisals are typically ordered through "Appraisal.com" - and they
require payment BEFORE the appraiser can be sent out; payment can
be made either by credit card or check by phone. Regardless of who the appraiser is - the
appraiser must be paid by the client - before we submit the file to final
underwriting. Link to our Appraisal and Title page
If a "Field Review" appraisal is required, we use e-AppraiseIt.com, a div. of
First American.
We typically will not accept appraisals from an appraiser who is not
affilliated with Appraisal.com.
I hope this helps answer some of your questions. Thank you for
your business.
*NOTE: We are unable to determine whether a Borrower(s) qualify for a loan
or not - unless we have
a Complete Application (filled out by Borrower(s) On-Line) AND a 3-bureau (tri-merge)
infile Credit Report (not
the type that consumers download from consumer credit web sites) - which can be pulled via
our Credit Link (see
above). Without those 2 items we are unable to advise anyone as to whether they may
qualify for a loan or not.
STATES List (a list of states
that we can help you in - with financing)
MortgageOffice.com exists to help borrowers find competitive mortgage loans and
financing for all their mortgage needs - whether it is a purchase mortgage or a refinance
mortgage. We do first mortgages and second mortgages. Home loans are what we specialize
in, whether they are owner occupied or investment. MortgageOffice.com can handle
residential mortgage loans, or Commercial Properties - starting at $250,000 and up to and
Over $100,000,000. Owner occupied Home Purchases can be up to 107% and refinances up to
125% of the value of the home - based on appraised value or sales price. We have a great
90% "Stated Income" program for: Non-owner, residential Investment purchases -
at LOW conventional, conforming type Rates. Mortgages are what we do...Refinances,
Purchases, Conforming, Non-Conforming, Sub Prime - 1st mortgages or 2nd mortgages. APPLY
here. On owner occupied purchase loans, the seller can pay up to 6% of the
non-recurring closing costs. Residential conforming-type loans can go up to $2,000,000;
whereas our Sub-Prime allows up to: $4,000,000 Loans.On a refinance mortgage, we can do
2nd mortgages up to 125%, depending on credit and location and property. Debt
consolidation refinances are a specialty also - so that a client borrower can save money
and reduce monthly payments in order save for retirement, put a child through school,
purchase a new vehicle, etc. We also do quick pre-qualifications on your mortgage
applications. e-mail . Employment oppotunities(click here).
NOTES:
States where licensing is expected to be coming soon: PA, NY, AZ, NV and NM.
Areas where there are "problems" doing investor loans: state of AL; Cleveland,
OH; Dade/Broward counties, FL. (Does not mean we can NOT do it; just means that there MAY
be reduced LTV's)
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100% home loans, no
down mortgage loans, zero down financing, no down payment, Down payment assistance,
countrywide,100%, 90% investment property, NOO, Online application, 100% owner
occupied primary residence mortgage loans, loanweb, ditech, pre-qualify,
lending tree, eloan, e-loan, quickenloans, quicken home loans, e-loan, 95-97% refinance,
refi, real estate, chase, ameriquest, lendingtree, jp morgan chase, h&r
block, bank loan, CA, AZ,CO, CT,HI,ID,IL, IA, KS, MA, MD, MN, MO, MS, NC, NE, NJ,
NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, WA, VA, WI, FNMA, Fannie Mae,
FreddieMac, FHA, VA, FHA Secure
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Mortgage
Home Loan Investment Center 1