 Top Answer Mortgages can help you find the best mortgage companies that specialize in the origination of both non-conforming and conforming home mortgage loans, with experienced sales staff that are committed to providing exceptional customer service in an efficient, effective and professional manner.
Find mortgages companies that have a variety of programs for
every situation, including:
Jumbo Loan
Conforming Loan
Purchase a New Home
No Income Verification
Cash Out Refinance
Home Improvements
Debt Consolidation
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 Find licensed mortgage lenders and brokers in Maryland, Delaware, and Virginia, that specialize in originating first and second conforming and non-conforming mortgage loans, with experienced sales staff that are committed to providing the best personalized professional service to all of their clients, regardless of credit history.
Find mortgage consultants that are fully licensed and certified by the state of Maryland, and that are well versed on both federal and state laws regarding mortgage lending and sound business ethics as it relates to the mortgage loan process. Find lending experience in the mortgage industry to ensure expectations are met and that the mortgage loan process has been a positive experience.
Technology has, and will continue to maximize efficiency, and providing quality customer service at a competitive cost can only be achieved through the utilization of the latest technology in the marketplace. Find mortgage companies with the best customer service loan after loan!
- Reputation is everything…Every customer plays an important role in the success of a good mortgage company. The latest technology and a multitude of products and programs enables more borrowers to say yes to your loan.
- Teamwork….Ensuring superior customer service, regardless of what mortgage consultant and clients are working with, and exhibiting a positive attitude everyday means everything!
- No surprises at settlement….Options and recommendations, including proposals in writing so that communication is clear, and sales staff that keeps all clients informed throughout the loan process is important.
Closing a mortgage loan is a major financial decision. Clear communication eliminates confusion and eases concerns about qualifying for a loan. Good mortgage companies will keep you informed of any unexpected changes in the proposed loan when it happens so that there are “no surprises at settlement.”
Top Answer Mortgages will help you find mortgage companies that specialize in both non-conforming and conforming loans, and that will service clients with perfect credit and those who have credit problems. Don’t think that because you have poor credit you cannot qualify for a loan! In many cases, this is simply not true. Numerous investors have a variety of programs to fit almost every borrower, regardless of credit history.
 Jumbo Loan
A loan amount that exceeds $322,700 is considered a Jumbo Loan. Find the best fixed and adjustable jumbo loan rates available, including special loan programs for loans over $1,000,000 at extremely competitive interest rates. Find the best mortgage company to help you decide what loan program is right for you!
Loans that qualify for a Fannie Mae or Freddie Mac approval and are below the $322,700 loan threshold are considered “conforming loans.” When deciding on a loan program and rate/point combination, much of your decision should be based on how long you plan on remaining in your home and the affordability of the payment. After all, for most people, your home is your greatest asset.
If you have found the home of your dreams and need the right loan, many mortgage companies offer a large variety of home loan options on primary residences, investment properties and vacation homes.
Find mortgage companies that offer various programs to their clients who do not wish to provide employment or asset information as part of the loan process. Many self-employed or commission only clients take advantage of this service.
 Cash Out Refinance
This a popular loan program, if you need cash to pay off non-deductible interest loans, such as credit cards and car loans, or if you need money for college tuition or any other worthwhile reason. A good mortgage consultant can show you how much cash you qualify for and the best loan program(s) for your financial situation.
Do you have home repairs that are a necessity or would you like to do some “cosmetic” work to increase the value of your home (fresh paint, new carpet, new kitchen, deck, etc.)? Don’t charge up those credit cards; find the best mortgage company for a Home Improvement loan.
Are you overwhelmed by monthly bills? Are you “robbing Peter to pay Paul” or kidding yourself by transferring balances from credit card to credit card to take advantage of those low introductory rates? If so, this is the right loan program for you. It will enable you to consolidate your many monthly payments into just one, thereby improving your overall monthly cash flow considerably. It is much easier to manage just one monthly payment with ONE interest rate, as opposed to several different payments and the many high interest charges that are NOT tax deductible..
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