|Mortgage and Lending||
|location_on Snohomish, WA — Mo Money Financing, LLC|
|web Maureen Sprague's (momoney) Blog|
"Worry Free" Lending
If you expect service and knowledge,which is backed by over twenty years of experience,then you will appreciate working with"Mo Money", Maureen Sprague. She has worked in all aspects of loan processing from origination to closing. As a financial Consultant, "Mo Money" can offer a wide variety of loan programs. Throughout the loan application, "Mo Money" will explain the various types of mortgage programs available to you and answer any questions you may have. This assures that the program selected is right for your individual situation.
"I dedicate all of my time and energy to providing the best service possible to my clients. Your satisfaction and subsequent referrals are my livelihood! In order for me to continue to provide this exceptional service, I truly need your heartfelt endorsement to family, friends and work associates. What's important to you is important to me. So, if you or someone you know may be in need of a home loan and/or financial consulting, please call me."
Maureen SpraugeCustomers first
Borrowers who are happy with the mortgage loan we helped them get are more important to us than anything else. Our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a pleasurable transaction.Get fast answers
At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.General financial Consulting... Cash flow analysis Retirement planning Investing Saving for college Credit repair LOAN TYPES Refinance/Purchase Debt consolidation Second mortgages/Lines of credit VA loans Construction Commercial/SBA Business From beginning to end Property types Raw Land Acreage Manufactured Multi family Condos Commercial/developer Retail/strip malls Mobile home parks Apply online or just find theanswers to your mortgage questions with hundreds of informative documents and interactive tools. Secure application Interactive calculators Worry free lending...
Comments from Mo’s Customers:
"Thank you so much for all your help and for making this transaction as simple and stress free as possible! You are wonderful!"
"Thank you for your efforts & explanations. We are very happy in in our new home. You're Great!"
"I just wanted to say thank you for getting what seemed to be the impossible done! You did a fabulous job. I appreciate all of the 18 thousand phone calls from myself that you endured."
Owning your own home provides several benefits. In addition to the satisfaction of being a homeowner, you can build equity, enjoy tax deductions, say "good bye" to your landlord and take control of your living environment.
Whether you are a first-time home buyer, renter, or are purchasing a new or second home, we have an assortment of tools and loan programs to meet your individual financing needs. Use our easy-to-navigate site, or contact us by phone today.
We can help you realize your homeownership dreams by offering you all the best advantages:
- Low Rates - Easy Online Application - All Types of Mortgage Programs- Guidance and Advice From an Experienced Loan Professional
Determine how much you can borrow and buy with our pre-qualification calculator.
You can beat the competition and negotiate more effectively when you're pre-approved. Apply online now to be pre-approved.
See how your equity and security can grow as a homeowner. Compare the benefits of owning vs. the cost of renting with our Rent vs. Buy Calculator.
Find out if now is the right time to refinance! You may be able to lower your monthly payments or reduce the time it takes to pay off your loan. You may also be able to save even more if you use your refinance proceeds to pay off credit card or other installment debt, since mortgage interest is usually 100% tax-deductible, and interest on consumer debt is not.. Here are some important reasons to consider refinancing:
- Get a lower mortgage rate and reduce interest costs.- Convert an adjustable rate mortgage to a secure, fixed-rate mortgage.- Consolidate your first and second mortgages into a mortgage with a lower rate.- Get cash for family wants and needs.
The advantages we offer you for your refinancing needs include:
- Low rates - Easy online application - All types of mortgage programs- Guidance and advice from an experienced loan professional
Ready to refinance your current mortgage? Apply online to be pre-approved for the loan you want.
Find out if now is the right time for you to refinance your current mortgage to lower your monthly payments, pay of your mortgage faster, take cash out, or combine your first and second mortgage.
A Home Equity Line of Credit (HELOC)
A Home Equity Line of Credit is like a credit card. You can borrow money up to your credit limit, and you only get charged interest on the portion that you borrow. You can pay down the balance, then reuse the credit. Most have a draw term, usually 5 to 10 years, where you can draw money out, then the loan is paid back over a 10 to 15 year period. You may also elect to refinance the Equity Line and get another 5 to 10 years to use the line of credit.
You choose what you want to do with your home equity line of credit:Remodel your home Take a vacation Consolidate bills Buy a car, boat or RV Finance tuition or other expense Use it as an emergency fund
There are many features of HELOC loan programs. Ask your Loan Officer to help you decide which is best for you.Great Rates: rates can be below the prime rate on some programs. No Loan Fees: No appraisal fee or closing costs. Convenient Closings: Some programs allow doc signing in your home. Credit lines or maximum loan limits vary with each program. Pricing varies with the LTV. Accessing the cash in your credit line can be done by writing a check, charging on a credit card or making a withdrawal at a financial center. Many of these programs have an early termination fee. Some programs may offer a fixed rate loan option feature, where you can lock in a fixed rate on all or a portion of your outstanding balance. Pricing is based on your Credit Score. These cutoff limits are fairly strict, so if your score is just below the next higher range, you may want to discuss how to improve your score with your loan officer.
A HELOC is usually 100% tax-deductible*, and a smart way to consolidate debt, pay for home improvements, new automobiles, student loans or even vacations or weddings.
Home Equity Fixed Rate Loan
You may prefer a home equity fixed rate loan compared to a HELOC. Home equity fixed rate loans offer a wide variety of amortization periods (length of time to pay it back), more choices for people with less-than-perfect credit, fixed rates so your rate can never go up and the interest paid may also be tax-deductible*!
* It is recommended that Customers consult their tax advisor. Not all loan fees or interest payments are tax deductible.
I have been arranging the financing for home buyers and the refinancing for homeowners in Snohomish County and throughout Washington for years. Let me show you that I can help you. Email or call me.