Free credit reports and mortgage savings program.

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For all Loan Applications and Pre-Qualifications taken on line by the close of the last business day of the month.
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Free loan services. We offer free credit reports with credit scores, free bi-weekly Mortgage Savings Program enrollment, other free services and more as special incentives on all home loan programs.

Offering free credit reports, bi-weekly payments, pre-approvals and more with any new home loan.

1. New Customer Promotion: Cut 6 to 12 years off your loan and lower equivalent rate.
FREE Enrollment in the Mortgage Savings Program ™ with any home loan closed.
(no enrollment fee). A $495 value. You may apply this program to your 1st and 2nd mortgages plus any other loans you may have!

2. 50% off the enrollment fee for the Mortgage Savings Program™ if purchased as a stand alone product. Regular price is $495.

3. FREE credit report with any pre-qualification.

4. FREE pre-approval from one of our approved lenders for a home purchase. Pre-qualify for a home loan before you shop for a new home.

5. FREE live underwriter review of qualifications within 24 hours of submission to assure an ACCURATE QUOTE, not just a computer generated estimated "quote".
Free or No Cost Loans
Here's the story about "No Cost Loans" .

   Certain services are required on ALL mortgage loans. They include but are not limited to title search / insurance services, recording of documents, closing agents, preparation of loan documents, originating / processing the loan file and so on. Of course we must assume that none of these service providers work for free. These fees can be paid by one of 3 methods.

1) Take a market rate and finance the fees into the loan amount on refinances.

2) Pay cash at closing. (Seller may contribute on purchases).

3) Accept a higher rate and eliminate some or all of the fees involved.      A "NO COST LOAN" .

   Important to note. By taking a "No Cost" loan you have a higher rate thus a higher payment. There are circumstances where a "no cost" loan is appropriate. If you do plan on keeping the loan for less than a few years on average, the higher interest rate and payment could still save money over the loan fees. If you plan on keeping the home loan for a longer term, a "no cost" loan usually costs MORE over time due to higher payments than if you had just financed in your customary fees at the start at a lower rate.

The bottom line is, very little is truly is free. All the ads you get on the internet, TV and radio never tell the whole story.
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