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American Mortgage Centers
Victor Bals & Jim Lasota
Howell & Livonia, MI Office
Phone: 517-586-4030
Fax: 517-586-4031
Testimonials
Jeff Spurgess
Jeff Spurgess
jeff.spurgess@comcast.net email Jeff to ask questions or to confirm this testimonial
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Nov 20, 2009
517-586-4030 5840 Sterling Drive, Howell, MI 48843
Licensed in MI, NC, and SC
Mortgage Financing - One, Two, and Three
One - Understanding Mortgage Options
Rural Development 100 % 30-year fixed rate mortgage. The government has done it right with this program. Allows you to finance up to 102% of the appraised value. It will even allow you to include new appliances. No monthly mortgage insurance. (PMI)
FHA 30 or 15 Year Fixed Rate Borrowers can purchase a home for as little as 3.5% down payment. Borrowers with less than perfect credit can breathe easily, as underwriting guidelines are more relaxed. A powerful tool is in your hands with FHA. Loan Checklist
VA 15 or 30 Year Fixed Rate VA loans are a great way to finance a home up to 100% of the purchase price. If you are a Veteran, this program has many benifits for you and your family. Loan Checklist
Conventional Financing 5%, 10% 15% or 20% down payment 15 or 30 Year Fixed Rate Mortgage. This is a traditional type mortgage. Credit criteria is much tighter and reserved for those with higher credit scores. Loan ChecklistForeclosure Financing FREE - 2 Hour Planning Session on the Successful Secrets of finding, inspecting, calculating taxes, knowing what the bank will accept before making an offer using " Bank Formulas", and structuring offers that banks will accept. receive a Pre-Approval certificate to purchase upon completion. Education on these must know topics can save you time and thousands of dollars and eliminate SURPRISES.
Two - Researching The Right Team
Time to put your team together. We have assembled our "Preferred Partners" in the area. We have a host of Realtors, Home Inspectors, Home Appraisers, Title Companies, and other service vendors that will play key roles your transaction. Search for Your New home and team of Preferred Partners
Three - Getting Pre - Approved Today
Before making formal application, you may click our Pre-Qual Calculator. This enables you to become comfortable with what payment or mortgage amount you can afford. Then by Applying On-Line your application is received immediately! We will be notified by email and be prompted to return to our secure server to retrieve your application. Also make sure to print the Loan Checklist. We hope to serve you well.
American Mortgage Centers have convenient locations in Howell and Livonia, Michigan. We provide Mortgage Financing for new home purchases and home refinancing. We also have a vast knowledge of financing Bank Owned, Bank Repos,and Foreclosures. A great deal awaits you when you buy a foreclosed home. Short sales are another great way to obtain home ownership.
Today's real estate market offers one of the most cost effective time in history to buy a new home. With the inventory of foreclosed properties, also known as Bank Repos, or REOS (Real Estate Owned), it becomes an incentive and a golden opportunity for first time home buyers here in Livingston County, Michigan.With great deals in the Brighton,
Financing options are plentiful with the FHA, VA, Conventional and Rural Development 100% financing programs. The FHA 203k program also allow you to borrow the money for financing if any repairs are necessary to bring one of these foreclosed homes to minimum standards to pass inspection for mortgage financing.
Our Howell office serves clients in Howell, Brighton, Fowlerville, Whitmore Lake, Fenton, Pinckney, Hartland, Milford, South Lyon, New Hudson and the Ann Arbor areas in Southeast Michigan.
Our Livonia Office serves our clients from Livonia, Westland, Garden City, Redford, Canton, Plymouth, Farmington, Southfield, Novi, and Northville areas in South East Michigan. We hope to serve you well in all of your mortgage needs.
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