Home Loan Services
As mortgage experts our goal is to easily help you to refinance and save money or buy and finance homes. We have listed below some of the specifc ways we can help. Truly, we are here to help.
We recommend that you get pre-approved by a reliable lender before shopping for a home or signing refinance papers. The last thing you want to do is get your hopes up and spend time and money on something you cannot get. We are experts at taking an insightful loan application and evaluating all pertinent documents. Thus we issues pre-approvals and give advice you can rely on. Give us a call and we'll get your preapproved quickly and easily.
Mortgage insurance is an insurance policy that protects the lender in case of a loan default. It is usually charged to borrowers who put less than 20% down when they bought the home or got the loan. With today's rising values we have helped many people lower their payments and save money by eliminating this additional expense payment. Give us a quick call and we will see how much money we can save you.
We are coming off off a time where mortgage interest rates were at their lowest recored levels ever. If you want to get a lower rate, adjust your loan term, or buy a new home give us a call. Our business model was set up to offer clients the lowest possible rate & costs in the market. We will provide you your options and see if we can help you lower your intereste rate(s).
Student loans, variable credit card debt, medical bills, home repairs are just a few of the many examples of minimum pamyents people have to make. If your home has equity we can help you to wrap all off your debts into a fixed interste rate mortgage and free up cash flow from your monthly budget. We can also show you if you keep paying the total amounts (you were paying) onto the mortgage how quickly you will pay your home off. This can really help you save in interest costs & avoid debt in the future.
We have received many phone calls over the years from realtors or borrower's who are concerned about the closing costs or rate they are being offered. Especially when buying a home, having low to no cost options can be the difference in getting the home and the loan or not. We have no and no closing cost options available to help you achieve your objectives.
As you settle in to your home you will notice improvements you need or want to make. Instead of financing those improvements on a credit card give us a call and we can review your loan options. There are easy energy efficiency mortgages as well as cash out refinances where we can give you cash in hand to help get those improvements done.
Our goal is always to heelp. If we can lower your payment, shorten your term, eliminate mortgage insurance, eliminate consumer debts, and get you a head we want to do that. We have helped thousands of people over the years. The process takes about 10 minutes initially to reivew options and then moving into the refinance loan its actually pretty easy.
Many people want to buy a home and are unsure of how to begin. Homeowners with a mortgage may feel like they need a lower mortgage payment or their rate may be too high. Whatever the case give us a call and we can walk you through the process taking you from confused to closed. We can help you navigate the path and help out where we can.
© 2019 Low VA Rates, LLC™ d/b/a Garett Law Mortgage.
All Rights Reserved. Low VA Rates, LLC is not affiliated with any U.S. Government Agency nor do we represent any of them. Corporate Address: 384 South 400 West, Suite 100, Lindon, UT 84042, 801-341-7000. VA ID 979752000 FHA ID 00206 Alaska Mortgage Broker/Lender License No. AK-1109426; Arizona Mortgage Banker License #0926340; California DBO Finance Lenders Law License #603L038; Licensed by the Delaware State Banking Commission License #018115; Georgia Residential Mortgage Licensee License #40217; Illinois Residential Mortgage License #MB.6761021; Licensed by the New Jersey Department of Banking and Insurance, Ohio Mortgage Loan Act Certificate of Registration #SM.501937.000; Oregon Mortgage Lending License # ML-5266; Rhode Island Licensed Mortgage Lender License #20143026LL; Texas License LOCATED at 201 S Lakeline Blvd., Ste 901, Cedar Park, TX 78613; EAH050119 NMLS ID# 1109426
Consumer NMLS Access www.nmlsconsumeraccess.org
Information. Consumer's total finance charges may be higher over the life of the loan.
Consumer NMLS Access - NMLS #1109426. NMLS#: 20750, Branch NMLS#: 1338334.
*Annual savings calculator based on 2015 monthly average savings extrapolated year-to-date.