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Do You Need to Repair Your Credit or Consolidate Your Bills?
Is Your Interest Rate Too High?
Concerned About Your Adjustable Rate Mortgage?
Are You Paying PMI?
Heritage Home Funding has several hundred different loan programs to choose from to meet your home lending needs. Our purpose is to educate and counsel our clients to help them find the right home loan to fit their specific needs. Our client's comfort is what is most important. One must be comfortable with the monthly payment, so as not to be "house poor" and comfortable with exactly how the loan programs work over its lifetime. Without a complete understanding of the loan program and a complete sense of comfort, Heritage Home Funding will not move forward.
Heritage Home Funding customizes each home loan program to its client's specific needs. Once Heritage Home Funding has had an opportunity to review the client's financial information, concerns and goals, a breakdown of program options are presented and explained to the client. This process usually takes place in less then 24 hours.
Contact us today for more information.
Are you Paying PMI?
Private Mortgage Insurance (PMI) is usually featured on single loan programs in which the home owner has less then 20% equity. While Congress has made PMI tax deductible for the 2007 tax year it has not been approved to move beyond the 2007 tax year as of yet. There are also income restrictions that can remove the ability to use the deduction. In addition, in most situations utilizing a two loan program (in which PMI is not required) features a lower monthly payment.
If you currently have a home loan that features PMI, Heritage Home Funding can perform a free mortgage evaluation to determine if through a refinance the PMI can be removed.
Please contact us to help you remove the PMI.
Not all lending institutions offer two loan programs, so as a result, the feature loan programs with PMI. Heritage Home Funding utilizes two loan programs to avoid PMI when ever possible. Of course, this cannot be determined until a complete mortgage evaluation or pre-approval has been complete. There is no fee to get pre-approved or to have your current home loan(s) evaluated.
Contact us today for more information.
Is Your Rate Too High?
Of great concern to every home owner is whether or not their home loan(s) features rate(s) that are higher then the current market. To determine whether or not the rate you have is too high, a simple mortgage evaluation can be performed in a matter of moments.
Contact us today for more information.
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