Competitive interest rates. Our rates are among the lowest in the Lower Mainland.
Approval within 24 hours. Get answers fast - usually within 24 hours. That way you take advantage of current rates and market situations. Once you are approved, we'll guarantee your rate for 90 days.
Pay off your mortgage faster. Choose from weekly, biweekly, semimonthly, monthly repayment schedules. The more frequent your payments, the faster you'll pay off your mortgage.
Amortization options. We offer shorter amortization periods which allows you to pay off your mortgage sooner.
Double up your payment. Pay up to double each payment on closed mortgage plans.
Make an extra payment. On each mortgage anniversary date, you can make a lump-sum payment of up to 20% of the original balance.
Take your mortgage with you. It's portable - transfer your existing rate, loan balance, and remaining term to a new mortgage if you move.
It's assumable. Your mortgage can be taken over by another party (upon qualification). This feature may be attractive to potential buyers.
New York Mortgages Low Rates from New York Lenders
New York lenders have been busy this year helping home buyers get their loans approved before the home buyer tax credit expires. MBA reported that New York mortgage rates are being issued at some of the lowest points in the country. The loan programs are heating up again as a few New York lenders announced no cost New York mortgage loans for borrowers that have the credentials. Like many in New York, do you dream of joining the millions of people realizing their goals of homeownership? Are you tired of paying a lot of money to a landlord each month, and not towards building your own equity? Whether it's your first home or third, buying a home can be one of the most exciting and rewarding life experiences and you should make sure that yours is the best one possible! Now is a great time to lock into a New York Mortgage Loan because New York lenders are competing from Smart Home Mortgage Loans could help you make that dream a reality!
New York home buyers should consider FHA because the government only requires a 3.5% down-payment compared with a 20% down-payment with conventional lenders. Check the New York FHA loan limits that were recently updated by HUD. Buying a home doesn't have to be a daunting task if you are informed throughout each step of the process, and we are here to make sure that happens. We will make sure that you find a New York Mortgage Loan at a good rate and that you feel comfortable with your loan program. Rates are still low, and purchasing a home is easier than ever!
Is your mortgage more than your home is worth? Read this article and learn about the HARP program that allows borrowers to refinance up to 125%. You must have a mortgage that is owned by Fannie Mae or Freddie Mac to qualify. Home Affordable Refinance Program.
Smart Home Mortgage Loans wants to earn your loan business while making your dream of homeownership a reality. Our first priority is to help you find the right New York Mortgage Loan for your individual needs. We are dedicated to making sure that your lending experience is as easy and enjoyable as possible, whether you are buying a home or refinancing to consolidate debts, make home improvements, or financing other purchases. Let us help you realize your housing dreams now, and be on the way to financial freedom!
New York was one of the original 13 colonies, and the English took over of the area that had been called "New Netherland" in 1664, and renamed it New York to honor of the Duke of York (York is a city in England). It's rich history includes the birth of four presidents, and the city of New York is one of the most storied in the world.
New York is known for The Big Apple, but the glittering city is not the only beautiful part of the state. The thunderous and spectacular Niagara Falls, the rugged mountains of the Adirondacks, the enchanting Catskills, all the lakes great and small and the Hudson River all make the state a wonderful place to live.
Loan Programs & Options Smart Home Mortgage Loans inc. offers many loan programs from the primary lenders in all 50 states. Our lending institutions provide home purchase, second home equity, mortgage refinancing, and refinance loans. Whether you are searching for conventional, non-conforming or subprime refinancing, our company can connect you with the finest financing providers online.
Financing Basics For those of you who didn't get a finance degree from a graduate business school, we created this section so that average homeowners can understand the basic for refinance and purchase mortgage loans. Our site will provide you with mortgage references and relevant definitions for loan terms so that you can make wise finance decisions that involve residential mortgages.