Building your future, one home at a time...
Your mortgage journey starts with trust, guided by knowledge, and built on ethical excellence.
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Benefit from lower monthly principal and interest payments compared to shorter-term loans like a 15-year mortgage, making homeownership potentially more affordable on a month-to-month basis.
Save substantially on total interest paid over the life of the loan compared to a 30-year mortgage, thanks to the shorter term and typically lower interest rates.
Start with a lower initial interest rate and monthly payment compared to fixed-rate loans for a set period (e.g., 5, 7, or 10 years), after which the rate adjusts based on market conditions.
Insured by the Federal Housing Administration (FHA), these loans offer more flexible qualification requirements, including lower down payments and credit score minimums compared to conventional loans.
Backed by the U.S. Department of Agriculture, this program helps make homeownership affordable in rural communities, often with no down payment required.
Guaranteed by the U.S. Department of Veterans Affairs, VA loans offer exceptional benefits, including the possibility of no down payment and no private mortgage insurance (PMI).
Designed for loan amounts above the conforming limits set by Fannie Mae and Freddie Mac, Jumbo loans provide financing for luxury properties or homes in high-cost areas.
A HELOC is a revolving line of credit secured by your home's equity, allowing you to borrow, repay, and borrow again during a set "draw period," often with lower interest rates than credit cards.
Refinancing replaces your current mortgage with a new one. You might do this to get a lower interest rate, change your loan term (Rate-and-Term Refinance), or convert home equity into cash (Cash-Out Refinance).
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Become more attractive to sellers as a pre-qualified buyer.
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Here Is Our Roadmap
Here’s how we ensure your process is seamless and efficient
1: Understanding Your Goals
We start by discussing your unique goals and financial needs to craft a personalized plan that works best for you.
2. Exploring Your Options
Using the insights from our consultation, we research and present the most competitive rates, programs, and structures available.
3: Presenting the Plan
We review our findings together and, with your approval, proceed to lock in the ideal solution tailored for your needs.
4: Guiding You to Completion
Our dedicated team will assist you through every step, handling all necessary paperwork and ensuring a smooth closing process.
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About Us
Our success has been built on consistently offering the lowest possible rates while delivering exceptional customer service. At All Citizens Lending, we pride ourselves on treating every client with honesty and integrity.
Company NMLS: #401991/1799965
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For informational purposes only. This is not a commitment to lend or extend credit. All loans
are subject to credit approval.
Nationwide Loans, Inc | 701 Palomar Airport Rd, Ste 300, Carlsbad CA 92011 | (800) 540-3909 |
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