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Mortgage and Lending |
RAINER 870 |
| Shanna Harrington | ||
| location_on Grand Rapids, MI — Blue Moon Financial Group | ||
| insert_link http://www.ShannaHarrington.com | ||
| web Shanna Harrington's (shannaharrington) Blog | ||
After attending Ferris State University, I took a position with a large banking center specializing in home loans.
While working with this large bank for a period of time, I began to realize that I was unsatisfied with my job, and I wanted to be able to do more for the people who came to me for help. I was tired of the ‘large bank' mentality, and tired of turning good people away. I wanted to be able to offer more, not only did I want to be able to say ‘yes', but I also wanted to offer real, heartfelt, personal service, the kind of personal service that I was accustomed to growing up in a small town, the type of service, which too often gets lost in the folds of larger cities and within larger corporations.
During this time my brother-in-law and sister approached me in regards to helping them get a new company started with new ideals, new philosophies, and an all around new way of thinking and doing business... these same ideals that I had realized were non-existent in my current position were now going to be the basis for this new company... the simple philosophies from our small town roots brought into the city...You Get What You Give... treat people right and good things will happen to you in return.
Today, I have been with Blue Moon Financial Group approaching on ten years! It is more than I could have ever asked or hoped for, as I see myself getting to help more and more individuals realize the dream of home ownership, or just helping good people out of a ‘rut'... these same people that I would have potentially been unable to help before!
My entire adult life I have been involved in real estate within one facet or another, and although my business has grown, my mentality has not. Throughout all of my experiences, from working for the largest of the nations banks, to the smallest of the local credit unions, I have brought from it all one simple lesson... People Before Profit...
There are many programs offered in today's market to help anyone looking to purchase a home, refinance an existing mortgage, build a new home, or to purchase land. Below are some brief explanations of a few programs I offer that might be right for you.
FHA / VA - An FHA or VA mortgage is a government-backed security, which in today's market is a very popular way to purchase, refinance, or fix up your home. Many of the changes happening in today's market are occurring directly through FHA and VA because the federal government has the most direct control over the qualification requirements. FHA and VA both offer extremely low 30 year or 15 year fixed mortgages, and requires very little money down to purchase.
Rural Development - This is a No Money Down purchase option, which is great for many people in the outlying communities of larger cities. Rural Development offers extremely low 30 year and 15 year fixed interest rates, and requires No Out of Pocket Closing Costs from the buyer. Rural Development works in partnership with other entities -- such as state, local, and tribal governments, private and nonprofit organizations, and member-owned cooperatives -- to revitalize rural areas.
Lot Loans / Construction Loans - Perfect option for someone who is looking to build their own dream home, or simply need to acquire some land!
Conventional - Your standard residential mortgage. Great for purchase with money down, refinance to cash out, or to simply capture a rate reduction. Offer 30 year 15 year, 10 year, and 5 year fixed interest rates.