I'm 39 years old, from California, USA.

• African Culture
• Airc
  
  
  Effective Mortgage Company's
  philosophy is to help each of our customers
  with what can be the most stressful and
  complicated part of the home buying
  process.....the financing.
  
  We handle the details for you!
  
  
  Question: What is a Mortgage Broker?
  Answer:
  A mortgage broker is an independent real estate
  financing professional who specializes in the
  origination of residential and/or commercial
  mortgages. Mortgage brokers normally pass on the
  actual funding and servicing of loans to capital
  sources who act as loan "wholesalers."
  
  Question: Why should I choose a mortgage broker?
  Answer:
  Over 50% of Americans do because of their expertise
  in the complex mortgage lending process. The broker
  offers the consumer extensive choices and access to
  affordable home loans while balancing the consumer's
  financial interests and goals. They offer choice,
  convenience and expertise.
  
  Question: Have more Americans been able to buy
  homes because of mortgage brokers?
  Answer:
  Absolutely! They have pioneered the credit market,
  using innovative loan packages to allow low to
  moderate income borrowers, with less than prefect
  credit histories, to start enjoying the benefits of
  home-ownership.
  
  Question: When should I start looking for a mortgage and
  what are the benefits?
  Answer:
  Many people are surprised to learn that the best time
  to look for a mortgage is before you look for a house.
  
  At Effective Mortgage Company, we offer two
  valuable steps which helps make your home search a
  little easier.
  
  Pre-Qualification
  
  Pre-Qualification consists of a verbal or written
  statement of the maximum amount of mortgage you
  should be able to receive based on the financial
  information you've provided. This helps you and your
  real estate agent narrow your home search to houses
  available in your price range.
  
  Pre-Approval
  
  A Mortgage Pre-Approval is a formal letter from your
  lender which indicates to a seller and his or her real
  estate agent that you have had your credit reviewed
  and are "credit worthy." It also shows that you have
  been approved up to a certain loan amount.
  
  There are other benefits as well. Your offer to buy can
  be taken more seriously once you have finally found
  your dream home. Many offers today are made with
  contingencies, such as mortgage qualification, the
  sale of another dwelling, etc. When you indicate to the
  seller of the home you want that you have been
  "pre-approved" for a mortgage, your offer becomes
  more attractive. The seller knows that it's likely that a
  sale to you will "go through" and not result in costly and
  inconvenient delays.
  
  Question: Do mortgage brokers really care
  about the quality of the loan itself?
  Answer:
  Of course. The safety and soundness of the mortgage
  lending community is directly linked to the success
  and integrity of its home loan originations.
  
  Brokers are regulated by several federal laws and
  regulations and dozens of state laws and licensing
  boards. NAMB supports reasonable and fair
  state/federal regulation of mortgage brokers and
  lenders.
  
  Effective Mortgage Company is committed to get you
  the best loan program at competitive rates. We will
  handle all the complicated shopping through our
  network of premier national lenders. Our reputation is
  at stake. We are personable and we care about our
  customers. We want to be your mortgage
  professionals for life!
  
  "Bijan -
  Well, we did it!
  I know this deal never would have happened without you and
  your expertise. You clearly are a master at your craft! I also
  want to acknowledge you for your ability to listen, hear and
  understand me. It means a lot to me. Whatever I have done to
  have the fortune to have you in my life was well worth it because
  you have been vital to help my dreams come true.
  Thank you for everything."
  Dr. Tanya Stromberg
  
  "Bijan-
  Enjoy the show!
  And again, thanks for your help. I look forward to
  doing business with you again soon."
  Mark Rolston - Actor
  
  
  
  
  
  
  To get started, simply fill out our complimentary
  Online Pre-Qualifica