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 At 1-800-CASH-FAST, we appreciate that finding a home and choosing a 1st mortgage is not only one of the most important decisions of your life, but it can also be one of the most confusing.
Our trained 1st Mortgage Loan Specialists will walk you through the process and provide you with any and all important information you need to make the best decisions for yourself and your family. |
| ..THE FIRST STEP |
Your first step should be to obtain a written pre-approval from us. This not only assists you with setting a budget, but also lets the Seller know you are serious. One of our 1st mortgage loan specialists will be happy to discuss with you, at your convenience, and prepare a written pre-approval for you.
Secondly, we work closely with your Realtor to insure every aspect of the buying process is covered. We also have a network of prestigious Realtors to refer based on the location you are looking in. Let one of our 1st mortgage loan specialists personally answer any one of your questions.
| ..WE UNDERSTAND YOUR CONCERNS |
At 1-800-CASH-FAST, we understand that home financing is as much a part of the financial planning equation as saving and investing. After all, your home is one of the most important investments you will make to secure your future. 1-800-CASH-FAST offers residential 1st mortgages for the purchase of primary residences, second homes and investment homes. Additionally, 1-800-CASH-FAST offer the lowest interest rates on all our 1st mortgages. You will find that our rates are often considerably below those available through other financial institutions.
| ..FIXED RATE MORTGAGES |
Fully amortized - payment amount never changes.
Up to 95% financing available.
Convenient rate lock in.
5 and 7-year balloon payment option on 30-year 1st mortgages.
Terms from 15 to 30 years.
No-points and point options.
Automatic monthly payments.
Income tax savings.
In most cases, interest on residential lending products is tax deductible.
| ..ADJUSTABLE RATE MORTGAGES |
Terms from 10 to 30 years.
Low introductory rate.
1-yr 3-yr 5-yr 7-yr 10-yr ARMs plus a variety of other options.
Automatic payment convenience.
Annual and lifetime rate caps.
Conversion terms available to change to fixed rate.
Automatic withdrawal of monthly payments.
Income tax savings.
In most cases, interest on residential lending products is tax deductible.
So what are you waiting for? Apply now to instantly pre-qualify and let us do the rest! Don't worry about which program is best for you right now, just take the first step and fill out our simple and free online application.
Let one of the 1-800-CASH-FAST experienced and knowledgeable 1st mortgage loan specialists see what they can do for you. In less than an hour you can receive pre-approval for the perfect new home loan!
| ..FIXED RATE MORTGAGE LOANS |
Fixed Rate Conventional Loans - 10 to 30 years. Conventional or standard 1st mortgages that require a down payment from your own funds. This is the type of 1st mortgage loan to choose if you know you'll be in the home for a long time and want to know what your payments will be for many years to come. Your principal and interest payments will be the same for the entire term. The only portions of your monthly payment that may change are escrowed items, such as property taxes and homeowner's insurance, and if applicable, flood insurance and Private 1st Mortgage Insurance.
| ..ADJUSTABLE RATE MORTGAGE (ARM) LOANS |
Adjustable Rate 1st Mortgage loans have the same down payment guidelines as conventional 1st mortgages, but Adjustable Rate 1st Mortgage loans have a rate that is set for one, three, five or seven years. After the initial period, the rate can move up or down no more than 2% per year to reflect market conditions. There is also a maximum lifetime cap. Rate changes will affect your monthly payments. Adjustable Rate 1st Mortgage loan rates are normally a little lower than conventional rates initially. Adjustable Rate 1st Mortgages are a good choice if you are interested in a lower initial monthly payment, think you'll be in the home only for a couple years, or are willing to wait and see whether 1st mortgage loan rates go down within several years so you can refinance into a fixed rate loan at that time.
| ..SPECIAL "3/1 ARM" |
For a limited time only 1-800-CASH-FAST is offering a special "3/1 ARM" 1st mortgage loan. This has an attractive rate for the first three years, and the rate will adjust each year thereafter. Caps are 1% annually and 5% lifetime, so you don't have to worry about a payment shock in three years with this 1st mortgage loan. No private 1st mortgage insurance is required, so you have a significantly lower monthly payment.
| ..SPECIAL "5/1 ARM" |
For a limited time only 1-800-CASH-FAST is also offering a special "5/1 ARM" 1st mortgage loan. This has an attractive rate for the first five years, and the rate will adjust each year thereafter. Caps are 1% annually and 5% lifetime, so you don't have to worry about a payment shock in five years with this 1st mortgage loan. No private 1st mortgage insurance is required, so you have a significantly lower monthly payment.
| ..SPECIAL "7/1 ARM" |
For a limited time only 1-800-CASH-FAST is also offering a special "7/1 ARM" 1st mortgage loan. This has an attractive rate for the first seven years, and the rate will adjust each year thereafter. Caps are 1% annually and 5% lifetime, so you don't have to worry about a payment shock in seven years with this 1st mortgage loan. No private 1st mortgage insurance is required, so you have a significantly lower monthly payment.
| ..FIRST TIME HOMEBUYER'S PROGRAM |
This NEW 1st mortgage program lets members finance up to 100% of the value of their first home, plus 3% of the closing costs. It is a good plan for those members just starting out, who have qualifying credit, and can afford the monthly payments, but may not have enough money for a down payment. You can borrow up to $150,000 (up to $154,500 with closing costs) with this 1st mortgage loan and may choose a fixed-rate 1st mortgage loan (for a limited time) or a "3/1 ARM."
| ..TEMPORARY BUY-DOWN |
This type of 1st mortgage loan is often called an "ARM alternative." It offers the advantage of starting out with a lower rate that adjusts to a fixed rate over a specified period of time.
| ..BALLOON MORTGAGE |
Balloon 1st mortgages are yet another 1st mortgage loan option if you are not expecting to stay in your home for more than five to seven years. You can lock your rate for five or seven years at a rate normally lower than conventional fixed-rate 1st mortgages, but usually a little higher than a one, three or five year ARM. The entire 1st mortgage loan is due at the end of the five or seven year term but may be extended if you'd like, provided all guidelines are met. The final interest rate is determined based on the market at that time.
Again, so what are you waiting for? Apply now to instantly pre-qualify and let us do the rest! Don't worry about which program is best for you right now, just take the first step and fill out our simple and free online application.
Let one of the 1-800-CASH-FAST experienced and knowledgeable 1st mortgage loan specialists see what they can do for you. In less than an hour you can receive pre-approval for the perfect new home loan!
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| Additional Questions? Please click here to find your answers! |
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