We are different because......
If you tried a few other lenders and found that after they promised you the world, they then completely ignored you.... NO returned phone calls.... NO or returned e-mails...It is time to go with the real experts.
There's more to it than just "rate". It takes an expert to get the loan approved and funded.
Mortgage Central trains their mortgage consultants to handle a full array of mortgage loans.
We can handle ANY type of credit issue.
We can handle any type of income situation.
We are NOT afraid to go that extra yard or try something new.
We have NO "maximum" debt to income ratio on our Fannie/Freddie conforming (the "A" paper) loans.
We have NO "minimum" credit score for Fannie/Freddie conforming (the "A" paper) loans.
Most lenders require at least a 620 score, though we have funded loans with "A" paper rates as low as a 531.
Our minimum score is 500.
We have lenders that do NOT require you to live in the home for 12 or even 6 months.
Cash out is available just ONE DAY after your initial purchase.
There are just too many tricks up our sleeve to list.
Simply put.....we know what we are doing!
Just tell us what you are looking for?
Choices
Many times a day we hear the phrase "I did not know that." Mortgage Central demands that you understand the different concepts of mortgage loans. We will help you understand and make a educated decision .....avoiding a $285,000, $365,000 or even more, mistake!
All loans are not created equal. Quoting the "lowest rate" and confusion with the fees involved does not always fit the borrower's true interests. An individual loan designed with YOUR wants and needs in mind is what Mortgage Central, Inc. has to offer.
Mortgage Central, Inc. offers the finest loan packages for YOU on an individual basis. Mortgage Central, Inc. guarantees at least three (3) different financial designs for every loan application.
Immediate Results
AZ Mortgage Central is a local lender that is centered in Phoenix, AZ. With over 9 years of Arizona AZ "specific" mortgage experience, we are the mortgage experts and "they" have to compete with us.
We don't originate loans in California or Florida. We don't "solicit" borrowers in Montana or Illinois. We have a solid base of clientele right here, locally, in the fine State of Arizona.
You can't be an expert if you spread yourself to thin.
AZ Mortgage Central utilizes the most current information. Your Arizona, Colorado or Nevada mortgage rate and fees will be based on today's lowest rate. We follow the Arizona mortgage rate markets closely. We have the upper hand on when an AZ mortgage rate is going up or when they are going down. We have the ability to save you thousands in just minutes.
Check out our "Latest Updates" link to see just how "in touch" we are!
Fill in our basic "Quick App" to let your Arizona mortgage experts at AZ Mortgage Central give you immediate and current products with the best results.
Individuality
Using so many of our different lenders, approximately 28,000 different combinations of mortgage financing can be developed.
We utilize our mortgage expertise in conjunction with these combinations to develop a mortgage loan specifically designed and tailored with your requirements in mind.
With a minimum of three (3), and up to twelve (12), different options for mortgage financing that clearly describe any and all estimated fees, up front, you can make an educated decision on which loan best fits your situation and budget.
The result is a loan designed for your specific situation.
We have mortgage loans for those with income or credit issues, debt ratio or even home value issues. To us, it is NOT an issue!
Mortgage Central, Inc. puts you in control of the loan. You choose the program that best fits YOUR wants and needs.
You will never know how much MORE you could have saved if you didn't settle for the mediocre work of other "big bank" lenders.
How do you think the big guys pay for their rent on all those buildings they have? Let's just take a guess and say they charge you more money!
We are the best Arizona home mortgage producer....refinance or purchase mortgages...there is no doubt.
We are the experts.....and "they" have to compete with us.
Our Mission
Education is our mission. Through education, an accurate decision will be made after all thoughts have been calculated into plans. With a skillful plan comes confidence. Confidence, ultimately is everyone's goal. That is the final belief to make it all come together in a sleek & streamline fashion
We come to you. We come to you either physically, by phone, Fed Ex, by e-mail or even by fax. You will never need to leave your house or work. We will even arrange for the final papers and "notary" to come to your place of work or home in order to sign. No cross-town trips are necessary.
Do the other lenders offer you so much?
.....Or do they "force" that 5 year adjustable rate interest only ARM (but don't mention the pre-payment penalty) down your throat and expect you to drive to North Scottsdale to sign papers when you live or work in Surprise, AZ?
So what are you waiting for? Fill out the basic Quick App by clicking below!
You have nothing to loose and everything to possibly gain. There is no cost to apply, and we will NOT sell your information to any 3rd party.
Can you afford to wait any longer?
We are the mortgage experts....and "they" have to compete with us.
1. We have all types, literally thousands, of mortgage rates at wholesale prices offered to us by the "big banks". That's right....the "big banks" give us lower rates to offer to you. WHY? Because the "big banks" do not have to pay our payroll, health care or rent to name a few. Hence, we can pass the savings on to you.
2. Mortgage brokers do NOT "charge more". In fact, we charge less. Mortgage Central charges less that is.
3. 68% of all mortgage loan business through Countrywide (the largest lender) is originated by mortgage brokers. Don't be fooled when Countrywide tells you that "brokers charge more fee and higher rates"
4. On average, we save our clients 0.250% in rate and over $1,000 in costs.
5, We are confident in your approval prior to placing your loan.
6. We SHOP ON YOUR BEHALF for the lowest rate with the lowest possible costs with all of the lenders in Arizona.
7. We pay close attention to the terms of the loan. Like the hidden terms of an adjustable rate loan. Things like Margins, Caps on rate adjustments or even a pre-payment penalty. Not all loans are created equal and YOU should be able to make an educated decision and know the ins and outs before it is too late.
8. We save you time
9. We save you money while we save you time.
10. We have earned the right to have no "max" debt ratio or minimum credit scores for "A paper" loans.
12. All lenders are NOT created equal. One will be the “best rate” and one will be the “worst rate” for the exact same program. We sort out the differences for you saving time and money!
13. We have in-house underwriting where we have earned the right to underwrite our own loans.
14. We beat ALL of the builder's "preferred" lenders rates, costs and terms for new home financing!
15. We back our rates with a $2,500 guarantee. NO company does that......period!
16. We have no "max" debt to income ratio limits for our Full Documentation Conforming Conventional loans (the most common type of loan.....the ones you here about every day with rates at about 6% for a 30 year fixed deal.)
17. We commonly get borrowers approved with debt ratios in the mid 55% range. Funny because the official "guideline" says you are denied for anything over 38%. >>> You don't have to go stated income as they all tell you.
18. The highest debt ratio that we have ever received a "full doc" approval was 67.9% debt ratio. That is almost double what the "big banks" can do.
19. When we quote a rate.....we quote a rate! We don't get wishy washy and inconveniently change it 3 weeks later like another lender may do (maybe all the time).
20. We pay attention to the stock and bond markets. We know what rates are doing now and we have a good sense of what they'll do later......this is a HUGE benefit for we can fend off "rate hikes" prior to be too late.
21. We show you how your loan works for YOU......not for someone else. All loans should be created on an individual basis.
22. We guarantee to give you at least 3 different finance options for each inquiry. We want you to make the right decision. Choices are the only way to accomplish that.
23. We once, in 2005, designed 57 different finance scenarios for a client because they just didn't know what they wanted on their first loan with us. NOW....we just funded their second loan on their latest purchase on 8/24/06. Another happy repeat customer!
Do you have the time...…the ability…....the know-how…....or even the endurance to go to each and every bank, have them pull your credit, "underwrite" your loan and eventually truly approve you all in the same day? How about the same week? What about the same month?
Any pizza delivery boy, turned Loan Officer with a business card that has "Big Bank" stamped on it, can quote a low rate.....
It takes an expert to get the create that perfect loan scenario, then get it approved and funded with that lowest rate!
We are the experts!
Can you afford to wait any longer?
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Contact Information
Mortgage Central, Inc. is currently licensed in the State of Arizona, MB #0905679. Mortgage Central, Inc. is allowed to originate mortgage loans in Arizona, Colorado and Nevada....ONLY. Other States may or may not have specific rules for Mortgage Lending.
Mortgage Central, Inc is an Equal Opportunity Lender
- Telephone
- 623-780-0086
- FAX
- 623-780-0052
- Electronic Mail
- General Information helpdesk@azmortgagecentral.com
- Postal address