Welcome!  We've been online since 1995, offering Home Loans.  

         BLOG FOR 11/11/11 from Doug Watt:     The market is improving a little.  This will benefit us all overall, sellers and buyers alike, even though we have not yet seen a new wave of foreclosures that will hight the market over the next year or so.  Despite that, there IS more demand for the homes that are out there.  Some of that is traditonal spring enthusiasm, but some is genuine interest from folks who are actually want to buy.  What a concept.  Anyway, the deals ARE out there, and you need to ask for them.  That includes asking for seller concessions, and yes, lender contributions as well.  It is possible that your entire up front investment to buy a home could be as little as the actual down payment, taxes insurance and 1st monthly payment for a 30 yr fixed rate conventional loan with no prepay penalty.  The bottom line is that...WE CAN SAVE YOU MONEY.  NOW IS A GREAT TIME TO TAKE ADVANTAGE OF THESE THINGS.  CALL FOR FREE ADVICE.  We are here to help.  Your long term business and referrals are what we desire.  We're here to provide the free advice you need.  Call or write myself or Mark at doug@mortgageuplink.com, mark@mortgageuplink.com.       

Today you just don't know who to talk to.  Each of our advisors have 15-20+ yrs  experience in Mortgages.  Call us for FREE Advice, even if you are working with another lender.  It never hurts to have a second opinion.  Lenders & Brokers should detail the costs and options that seem best suited for you BEFORE APPLICATION, and help you compare it directly to whatever else you have found.  With many types of loans, it is often possible to lock in rates and  terms right away if you have a property offer accepted, if you are ready to do that.

Home of the TRUE NO Cost Loan! 30YR Fixed. No Prepay Penalty.  No Points, No Lender Costs, No Escrow Fee, No Title Insurance Cost, Net No Appraisal Cost (you are reimbursed at closing). No Misc. Fees.*You pay only your Down Payment, home tax , home insurance, and interest from the day your home purchase closes , as is normal.    Refinances TOO!!  How does it work, Well, the rebate called a Yield Spread Premium (YSP) that many lenders keep all for themselves is used as a credit towards your closing costs.  Basically the higher the rate, the more rebate is credited, up to getting a loan that really does not cost you anything.  Since nothing is free, however, the tradeoff is taking a somewhat higher rate.  There are some good reasons to consider this.  For instance, if you plan to pay the loan off soon, or only plan to keep the property a few years, thus making it less financially valuable to pay a lot of $$$$  to get the lowest rate.

*Rates subject to change without notice until application is made & loan is locked.  40 day lock.  Terms based on 80% purchase loan amount of $250,000 & applicant w/ a mid-credit score of 760 + income & assets to qualify.