HOME MORTGAGES MADE EASY - RUSSELL KINNEY
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As A Mortgage Broker:
We have access to as wide variety of wholesale lenders.
We have special niche programs for your unique situation.
Our immense selection of loans sets us apart from all others.
NO APPLICATION FEE!!
It will not cost you any money up front. At many Banks and Brokers, you will typically have to pay a non-refundable fee, around ($300.00) just to apply for a loan.
And you will not be able to negotiate the Interest Rate and the closing costs, You will with me. Remember that the interest rate is a long term issue, closing costs are immediate. If you can pay the cost out of pocket at the closing, you will be able to deduct much of these costs from your taxes in the same year that you close. If you are unable to pay the cost out of pocket, there are many options. Such as a higher interest rate and lower closing costs, or a no points loans. On a purchase, the seller may be willing to pay the closing costs. On a refi, you can opt to roll in the closing costs.
HAVE YOU EVER TRIED TO FIND OUT JUST WHERE YOUR LOAN WAS?
Have you ever called your loan rep, and asked them how your loan was going only to hear that they will have get with you? Or have you tried to talk with the loan processor and been told to call your loan rep?
I feel that you have the Right to Know, just where your file stands and when it will be ready to close, you won't get a run-around, you will get Answers.
THINKING OF BUYING OR BUILDING A NEW HOME:
Before you go to the Bank, where they will want you to have a large down payment and excellent credit.
Why not see me first.
I will give you a free pre-qualification consultation. After which, you will know exactly how much you can buy or build with little or no money down.
Interest Rates are at a 40 Year Low!!! Why not get out of the rental trap and get into your own home.
If you choose to build, I can offer a one-time closing construction-permanent loan, at a fixed rate from day one, before you even break ground.
WANT TO REFINANCE AT A LOWER RATE OR GET CASH FOR PERSONAL NEEDS/HOME IMPROVEMENT OR TO CONSOLIDATE DEBT.
I can offer refinance rates that are lower than any bank will offer with low closing costs and fixed rates for many different terms such as 30 year and 15 year. I will not bring any hidden fees to the closing table, the price you are quoted is your price!
MANUFACTURED HOME?
I can write loans for manufactured homes.
LOT LOANS?
I can offer up to 100% financing for a land loan.
CREDIT PROBLEMS? Maybe I can Help!
I can do refinance and purchase loans for anyone with excellent credit all the way to NO CREDIT and all points in between.
LOW INCOME?
I can offer programs for individuals with fixed income or limited income. Programs ranging from graduated payment programs and leveraged programs.
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Call Me, for a free consultation, if you would like to know more about your home mortgage options.
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Russell Kinney
Mortgage Finance Consultant
Traverse City
Michigan
49686
Phone:231-645-5626
Fax:231-346-5994
E-Mail:kinneyr2002@yahoo.com
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Please visit the links below for more information about your mortgage finance needs.
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Send E-Mail to: kinneyr2002@yahoo.comCopyright © 2000 Russell Kinney. All Rights Reserved