Winds of Change
Well Bernie Madoff is sitting in a jail cell, and will be sentenced soon and will probably spend the rest of his natural life behind bars. President Obama is ch ...
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Mortgage and Lending |
RAINER 7,377 |
| Jose Vargas | ||
| location_on Laveen, AZ — Liberty One | ||
| insert_link http://libertyonelendingaz.com | ||
| web Jose Vargas's (jvargas) Blog | ||
Get to Know Jose Vargas
We offer the assistance you need to help in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process.
Our website offers a variety of online application options, and our experienced professionals offer superior quality support throughout the entire experience. Contact us today and let us go to work for you!
Liberty One is an FHA/VA approved mortgage company headquartered in Goodyear, Arizona and is licensed nationally to assist you with all your mortgage and lending needs. Whether you are looking for a loan to help you purchase a new home or simply refinance your existing loan, we can help you achieve your goals with the lowest rates available.
Liberty One Lending is your national conduit for all your loan placement needs. We have over 100 lenders dedicated in serving your loan needs. At Liberty One, we pride ourselves in helping you to secure your loan placement with our dedicated staff by providing access to loan finder links and to our:
- FHA / VA conduits- Alt-A Lenders- Subprime lenders (Yes, they are still there down to 500 scores.)- SIVA Lenders - Manufactured and Modular FHA programs We have an organized and easy to Follow 10-step process.
Pre-Qualification Mortgage Programs and Rates The Application Processing Required Documents Credit Reports Appraisal Basics Underwriting Closing SummationPre-Qualification
Pre-qualification starts the loan process. Once a lender has gathered information about a borrower's income and debts, a determination can be made as to how much the borrower can pay for a house. Since different loan programs can cause different valuations a borrower should get pre-qualified for each loan type the borrower may qualify for.
In attempting to approve homebuyers for the type and amount of mortgage they want, mortgage companies look at two key factors. First, the borrower's ability to repay the loan and, second, the borrower's willingness to repay the loan.
Ability to repay the mortgage is verified by your current employment and total income. Generally speaking, mortgage companies prefer for you to have been employed at the same place for at least two years, or at least be in the same line of work for a few years.
The borrower's willingness to repay is determined by examining how the property will be used. For instance, will you be living there or just renting it out? Willingness is also closely related to how you have fulfilled previous financial commitments, thus the emphasis on the Credit Report and/or your rental payment history.
It is important to remember that there are no rules carved in stone. Each applicant is handled on a case-by-case basis. So even if you come up a little short in one area, your stronger point could make up for the weak one. Mortgage companies could not stay in business if they did not generate loan business, so it is in everyone's best interest to see that you qualify.
The following is a partial list of programs offered by Liberty One with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 480-302-8999.
Conventional No Income Verification No Down Payment Credit Problems 80/15/5 Jumbo Loans Challenged Credit Loans High Debt Ratio Loans Second Mortgage Loans Construction Loans Investor Loans FHA Mortgage Flex 97% VA Mortgages Conventional Traditional loan programs that usually require 5% down and offer competitive interest rates. Documentation and fair-to-good credit are necessary.
Have We Changed?
So now that we have a new Prez. Will anything change? Well I hear all the haters on talk radio stating he can't do what he said and it's impossible to fix every ...
THE TIME HAS COME
Everybody wants to know when the market is going to bottom out. Well if you don't have a crystal ball, or can't see into the future. All you can really do is pr ...
ActiveRain Community
over 15 years ago
sorry mr and mrs taxpayer , taht will be $900 Billion
Federal Reserve will provide as much as $900 billion in cash loans to squeezed banks in an urgent effort Monday to break through a dangerous credit clog that th ...
Certifications
ether you are a one person shop or have 50 loan officers, Liberty One Lending is your national conduit for all your loan placement needs. We have over 100 lenders dedicated in serving your loan needs. At Liberty One, we pride ourselves in helping you to secure your loan placement with our dedicated staff by providing access to loan finder links and to our:
- FHA / VA conduits- Alt-A Lenders- Subprime lenders (Yes, they are still there down to 500 scores.)- SIVA Lenders - Manufactured and Modular FHA programs We also utilize Calyx web server to keep your loans state compliant. As well as having your print packages kept up to date with the most recent compliance forms you will need to use in all 50 states. No more worrying if your package is compliant correct anymore! Links to the various conduit lenders to make your log on and entry into the lender of your choice as easy as a point and click. As we utilize many programs, our business is mostly of the following:
The following is a partial list of programs offered by Liberty One with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 480-302-8999.
Conventional No Income Verification No Down Payment Credit Problems 80/15/5 Jumbo Loans Challenged Credit Loans High Debt Ratio Loans Second Mortgage Loans Construction Loans Investor Loans FHA Mortgage Flex 97% VA Mortgages Conventional Traditional loan programs that usually require 5% down and offer competitive interest rates. Documentation and fair-to-good credit are necessary.
CONFORMING LOANS: 30% GOVERNMENT LOANS: 70% FHA LOANS: 90% ALT-A JUMBO: 10% SUB-PRIME: 5% JUMBO: 10% STATED LOANS: 5%
Chase James B. Nutter (Reverse Mortgage) Everbank Liberty Mortgage Flagstar Plaza Home Mortgage Freedom Mortgage Senderra Homecomings Financial Taylor, Bean and Whitaker Ideal Mortgage Bankers Wachovia ING Mortgage Wells Fargo
We also provide you with marketing programs that will take your business to the next level. Ask about our partnership with Fidelity National Title.
Volume and referral bonus program just rolled out. Contact us today about any of the services we offer!
Pre-Qualification Mortgage Programs and Rates The Application Processing Required Documents Credit Reports Appraisal Basics Underwriting Closing Summation
Pre-Qualification
Pre-qualification starts the loan process. Once a lender has gathered information about a borrower's income and debts, a determination can be made as to how much the borrower can pay for a house. Since different loan programs can cause different valuations a borrower should get pre-qualified for each loan type the borrower may qualify for.
In attempting to approve homebuyers for the type and amount of mortgage they want, mortgage companies look at two key factors. First, the borrower's ability to repay the loan and, second, the borrower's willingness to repay the loan.
Ability to repay the mortgage is verified by your current employment and total income. Generally speaking, mortgage companies prefer for you to have been employed at the same place for at least two years, or at least be in the same line of work for a few years.
The borrower's willingness to repay is determined by examining how the property will be used. For instance, will you be living there or just renting it out? Willingness is also closely related to how you have fulfilled previous financial commitments, thus the emphasis on the Credit Report and/or your rental payment history.
It is important to remember that there are no rules carved in stone. Each applicant is handled on a case-by-case basis. So even if you come up a little short in one area, your stronger point could make up for the weak one. Mortgage companies could not stay in business if they did not generate loan business, so it is in everyone's best interest to see
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Applying for a home loan can be a confusing process. Thats why it is about your wants and desires. Whether you are looking for a loan to help you purchase a new home we can help you achieve your goals