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Cincinnati and Surrounding Areas

Why use a Cincinnati Mortgage Broker?

etcorp.ru evaluates your situation and lets hundreds of mortgage lenders compete for your business. It's that easy. Apply online and let our experienced Cincinnati mortgage broker and lender go to work to get you the best possible mortgage loan funding available.

Free Mortgage Rate Quotes

Simply apply through our web site and receive a follow up call and a free Cincinnati mortgage rate quote within 4 hours between the hours of 9:00AM and 5:00PM EST. Or tell us the best time to contact you. If you prefer we could contact you by email.

Our Promise To You

No hassle mortgage rate quotes. We do all the negotiating for you to ensure the best possible interest rate and mortgage loan terms in the Cincinnati area. We will answer all questions throughout the mortgage process. We'll let you know which mortgage programs you qualify for and help you to make an educated decision on which Cincinnati mortgage loan fits your goals.

Cincinnati Mortgage rates are still at all time lows. It has never been easier to get a great rate on a home mortgage loan. Banks are willing to loan more money with less requirements of the borrower. Follow the links below to find information on mortgages that may fit your needs. Or call 859-957-0331 to get a free Cincinnati mortgage quote over the phone or in person.

Cincinnati Mortgages Available Now

	Home Purchase Mortgages		Mortgage Refinance
	Home Equity Loans		Investment Mortgages
	Debt Consolidation Loans		No Proof of Income Loans
	Bad Credit Repair Loans		Interest Only Mortgages
	FHA		VA

FHA Cincinnati

There are lots of reasons to get an FHA loan instead of taking a conventional or an expensive and risky sub-prime mortgage loan. Why not take advantage of the many benefits and protections that only come with FHA:

Easier to Qualify - Because FHA insures these mortgages, lenders are more willing to give loans with lower qualifying requirements so its easier for to qualify.

Less than Perfect Credit - Even with credit problems, such as bankruptcy, its easier to qualify for an FHA loan than a conventional loan.

Low Downpayment - We have a low 3% downpayment, and that money can come from a family member, employer or as a gift charitable organization. Other loans don't allow this. Everyone qualifies for down payment assistance if they qualify for an FHA mortgage.

Costs Less - Many times, FHA loans have competitive interest rates because the loans are insured by the Federal Government. Always compare an FHA loan with other loan types.

Debt Consolidation Loans Cincinnati

Are monthly payments taking up all your paycheck? Would you like some extra cash to pay off cars and insurance. Use the equity in your home to escape HIGH INTEREST debt and start on your way to being debt free.

Many people don't know they can refinance their high interest subprime loans into FHA and other conventional loan programs and save hundreds every month. Savings can exceed $100,000 over 30 years.

It doesn't make sense to pay out such high interest rates. You get a tax deduction when paying mortgage interest. Take advantage of the tax benefits and low fixed rates and save thousands.

The customer doesn't pay anything out of pocket when you are refinancing a mortgage loan. Some lenders charge application fees but why deal with them when there are so many other free options.

You don't have to have perfect credit. Some lenders will allow up to 120 day late payments on your mortgage history. Refinancing can be used as a tool in all sorts of situations.

Home Purchase Mortgages Cincinnati

Get Pre Approved and Purchase with Confidence.When writing a purchase contract on a home you have a better negotiating point with a strong preapproval prior to writing the contract.

A preapproval is NOT a prequalification. Sit down with your loan officer prior to writing any contracts to ensure the best possible situation. Make sure to see your approval in writing not a qualification letter.

Sellers are typically willing to accept offers more in the buyers favor when accompanied by a strong preapproval letter. Something that guarantees approval if certain stipulations are met.

Mortgage Refinance Cincinnati

People refinance their mortgage for several reasons. Some do it to get rid of the mortgage insurance they are paying. Some do it to lower their payments or length of repayment. Most however do it to obtain cash or pay off debt. Using the equity in your home can be one of the best ways to get the things you need with the most affordable repayment options.

Homeowners don't have to contribute any money to refinance your mortgage. Often borrowers qualify for better terms and rates after a year or more of on time payments. If you need money for any reason refinance your mortgage. Some lenders are even willing to loan above your homes appraised value.

Debt Consolidation, Home Improvements, cash in hand; these are just a few reasons why people refinance their homes.

Investment Mortgages Cincinnati

Anyone can invest in properties these days. Having a good income and work history and strong credit is a requirement. If this is true it is possible to find some excellent programs some even offering 100% financing options.

No Documentation, Stated Income, Non Owner Occupied Properties. Savvy investors have many useful tools and programs at their disposal. Expect to pay a little higher that usual interest rate but with high returns and the tax benefits it doesn't matter.

No Proof of Income Loans Cincinnati

Thats right NO PROOF OF INCOME. If you've established yourself as a great credit risk in the past then some banks will take your word and lend money with no verifications really at all. Standard identification and necessary title work are all to worry about. For the best credit customers the rates aren't really that bad.

Home Equity Loans Cincinnati

Use the equity in your home any time you need it. With a home equity line of credit tap the equity in your home as needs require it. It's like having a checking account with your homes equity. Only pay for the money that you borrow. So you can save money compared to cashing out your equity.

Interest Only Mortgages Cincinnati

Interest Only Payments are very popular these days. Most lenders offer interest only loans or new 40 year ammortizing loans. Designed to help borrowers qualify for nicer more expensive homes. But keep the payments affordable at the same time. Be careful though as certain types can have negative amortization features. Which if they fall below a certain point the bank can call the note due and foreclose or make the homeowner agree to new terms. These loans should be temporary.

Bad Credit Repair Loans Cincinnati

Most anyone qualifies for some type of mortgage. Even with no credit or bad credit you still may qualify. There are hundreds of investors who specialize just in lending to people in the worst credit brackets. As long as you can show some sort of effort like a job and rental history then you to can own a home.

VA Cincinnati

Government insured loans made available to military personel and veterans.