If you’re reading this, chances are You Need a Mortgage. You have come to the Right Place!
If you plan to own a home in today's market getting a mortgage is one of the biggest decisions you'll ever make. Where do you turn for answers and advice?
Welcome to getmyratequote.com. You’re #1 site for answers to all your mortgage questions while giving you the mortgage advice, news and savings you need and deserve. At getmyratequote.com you will deal with a professional that what and can help with all of your mortgage needs and questions.
This is the website that gives you tips and information for you to make the correct decision when going applying for a mortgage getmyratequote.comwill be sure that you get the right mortgage for your needs.
Whether you are applying for a home purchase loan, a refi loan, FHA, VA, reverse mortgage, second mortgage, HELOC, or even products like subprime loans we are here to offer you the latest information in the marketplace. Currently I am helping folks in over 17 states with more added each month. Drop me a email or give me a telephone and let’s see if I can help or provide a professional referral
Let me introduce myself, I am Tony Grego. The Loan Officer that has a Great Place With Great Rates. I will help with all of your mortgage needs. Watch my live feed by clicking on the arrow above. I will answer your questions live. Now in case I am not "on-air" drop me a email or give me a call so I can answer your questions right away and without any cost or obligation. getmyratequote.com is the place to go for answers to what you need most.
I offer a solution to your mortgage challenges. I'll have all the Information you need on rates, programs, closing cost, and the changes that are occurring in the real estate and mortgage markets. Best of all this information is available to you free.
Let’s Talk about Mortgages for Your Home Purchase: When purchasing a home if you are like most people you will need to get the help of a mortgage to afford it. A mortgage is a method of using property (real or personal) as security for the performance of an obligation, usually the payment of a debt.
Mortgages come in many flavors with payment terms that can range from 1 to 40 or more years in length. The most common are 15 and 30 year mortgages but there are also products for nonconforming loans like jumbo loans and super jumbo loans which cover loans for larger amounts than the conforming loan limits. When you are consulting with me, I will prepare a financial analysis and advise you on the best programs. Working together we will review credit scores, history, employment, property you intend to purchase and then I will provide you with a few repayment choices that best fit your needs.
What About Refinancing My Current Mortgage?
Homeowners can refinance their homes as market conditions change. Take for example a drop in interest rates. If you had taken out a loan at 6.5% and rates dropped to 5.875% it behooves you to refinance at a lower rate since you can lower your monthly mortgage payment potentially saving thousands or tens of thousands of dollars over the life of the loan.
Another situation where refinancing makes sense is if you are doing a large home improvement project or need to consolidate debt and need to use the equity in your home to finance it.
The best reason is if you have a BROKEN ARM! I'm talking about an Adjustable Rate Mortgage, not a limb on your body. While it was a great mortgage a couple of years ago these mortgages are adjusting upwards of 3% every 6 - 12 months. Folks if your in a ARM you need to get out now! If you have a pre-payment penalty, pay it (I will show you ways to get this done). Remember that property values are dropping like a rock in some areas of Indiana. You need to get out while you can.
FHA and VA mortgages are the biggest "no-brainers" in the business right now. Where else can you purchase a home for 100% of its value, refinance for up to 97% and get rates around 6% even if you do not have a credit score? Now the broker needs a special license and Sagamore Home Mortgage has it. So what are you waiting for? Apply today and forget about those high rates and crazy terms that the subprime were offering.
How about a Second Mortgage?
You may be looking to do some renovation have major repairs done or perhaps finance your child's college education. Many times it is advisable to take out a second mortgage or home equity loan. Home equity loan is taken out as a lien against your house which reduces the homes equity.
What about a Home Equity Line of Credit?
A HELOC is a loan or your lender will give you a maximum amount you can borrow within an agreed-upon term and where the house equity is used as collateral. The difference between a home-equity loan and a home-equity line of credit is the fact that normally not all of the money is advanced to the borrower upfront. Usually the borrower will take money out against the loan as needed up to the credit limit specified in loan. Many accounts offer a credit card or checks for convenience to access their funds.
Is a Reverse Mortgage Right for Me?
The reverse mortgage is a relatively new product. It allows seniors over 62 to access the equity in their home with the obligation to repay deferred until the death of the owner or they no longer occupy the residents for 12 months or longer. Seniors, you need to be real careful here. The best reverse mortgages are with FHA and require a special license that Sagamore Home Mortgage has. Make sure you are dealing with a professional like me with this one. Do not become one that gets taken advantage of. These are great mortgages for the right person and lousy for most other. BE CAREFUL.
1. Go here Online. It is Safe, Easy, and FREE to Apply!
If you don't have a computer, either borrow computer time on a friend's computer or use your libraries (if they have computers available for public use). The big advantage is that it will save you time. After I get your application I will give you a call to review and set a time to meet to an action plan together for your mortgage.
2. Call Me to Answer Questions and Set a Time to Apply!
After we meet I will prepare a FREE Financial Analysis that gives you options.
If you are purchasing a home and have not picked it out yet I will give you a pre-approval letter. If you have selected a home I will need the name of the real estate agents involved or the home seller. When you refinance we will do the same analysis and I will give you choices. It is all about choices.
In both cases, pricing and closing costs (yes we do have options for "NO" and "LOW" closing cost mortgages) will be clearly presented. You decide what is best for your needs.
With Tony Grego and Amerisave you never have to worry about going to the closing table and find higher costs. We guarantee them when present your mortgage options.
I will also let you know your credit rating. If you have a bad credit rating, your Indiana Home Mortgage will be expensive. If any brokerage offers you a very cheap home mortgage rate when you have a bad credit rating, run. If they ask you to lie or exaggerate facts in any paperwork about your finances or anything else, also run. That is a sure sign of a scam brewing involving loan fraud, which might lead to jail time.
What Kinds Of Mortgage Rates Amerisave Offer?
Mortgage rates are the big thing to know when picking your home loan. There are, basically, fixed rates and adjustable rates. As their names imply, the fixed rate stays the same and the adjustable changes. Although adjustable rate mortgages sound the most attractive with usually very low payments for the first year or so, they can suddenly shoot up (like all the stuff you are hearing in the news today). It's like buying risky stick on your house. The safer bet is to get a fixed rate for your Indiana mortgage. You usually know what you are going to pay ahead of time. To help ease the sting of each payment, you can pick anywhere from Ten to Fourthly years on your mortgage.
For more information, schedule a pre-approval or application appointment with me now.
So who is Tony Grego and What About the Two Boys Pictured in the Video?
Living in Indianapolis, I am able to personally serve the needs of Realtors, Financial Advisors, Attorneys and most important, you, the Client. I have based my life and work on the basic principles of doing the right thing. So when you’re when you need advice or an evaluation of financial standing, I am the one to call. While I'll hope we can do business together, my first priority is to help and make new friends. I did not bore you with a picture of me. Who I work for is my two little guys, William (2 1/2) and Anthony Jr. (3 1/2). Yes, they are a handful but the blessings in our life. So help me help you - and together we will all prosper. I look forward to giving you personal attention in working together and finding options that best fit your need.
What to learn even more about me and get helpful hints? Check out my blog: Tony's Daily Blog
You can find great local Indianapolis, IN real estate information on Localism.com Tony Grego, Your Place for Great Rates! is a proud member of the ActiveRain Real Estate Network, a free online community to help real estate professionals grow their business.
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