Carolina Mortgage, LLC is pleased to recommend a new feature posting FHA Mortgage rates daily to keep SC Home Buyers aware of any changes; provides for Special Circumstance Mortgages Bad Credit Loan
United States of America (Press Release) May 6, 2008 --
The Carolina Mortgage Team specializes in Loans for people in South Carolina with bad credit.
Carolina Mortgages, LLC Spokesperson, Sherree Hutson, states:"For example, I recently closed a Client with a 502 credit score on an FHA 97% LTV with 3% gift and their interest rate was under 6%.
This means my Client had to bring less than ONE DOLLAR to closing. We specialize in closings like that! Even if you or your Client has been turned down, we are still dedicated to helping you close on your Home or next deal."
Vital Consumer Information from Carolina Mortgage, LLC of Charleston, SC:
Carolina Mortgage Rates Posted Daily on South Carolina's Mortgage Websites for FHA Loans = Rates Disclosed Daily on www.CarolinaMortgage.sc:
FHA Rates Covered:
30 Year FXD
15 Year FXD
Conventional
30 Year FXD
15 Year FXD
10 Year FXD
7/1 ARM
5/1 ARM
3/1 ARM
Carolina Mortgage Rates Are Posted Daily on South Carolina's Mortgage Websites for FHA Loans.
Check South Carolina Mortgage Rates Daily on www.Mortgages.sc and www.CarolinaMortgage.sc. South Carolina's Mortgage Brokers of Integrity brought to you by South Carolina'a Internet Authority.
Carolina Mortgages, LLC Spokesperson, Sherree Hutson, states:
"All too often, sincere Home Buyers are misled by some Loan Providers who deliberately quote a price that seems too good to be true! As the loan approaches the closing date, the low price disappears. The change is blamed on higher market rates."
"This is never the case with Carolina Mortgage, LLC. There is never any grey area with us. We post the current FHA Mortgages Rates clearly and update them daily as changes occur and we NEVER hide behind the smokescreen of "market fluctuations."
Protect Yourself From Lowball Quotes:
* Get the rate quote in writing.
* Discuss locking the rate ASAP.
* Get Qualified Immediately!
* Get the Locked Rate in writing.
The provider should be willing to lock your rate as soon as you have been qualified and give it to you in writing.
* Monitor Rate benchmarks, such as the 10-year Treasury note and mortgage averages on sites like www.Mortgages.sc or www.CarolinaMortgage.sc.
If benchmarks are not rising, generally neither should your mortgage rate.
* Educate yourself, ask a lot of questions, and follow your instincts and only use reputable Mortgage Lenders, Mortgage Brokers and Contract Processors.
Practical Advice From Carolina Mortgage, LLC
Beware of Hidden Fees Getting by You
"We strongly advise the you READ EVERYTHING. Don't sign anything until you've read it through and understand it completely. If a mortgage lender is trying to rush you, walk away.
Under no circumstances should you sign anything if there are blanks that haven't been filled in. Insist that everything be filled in first. Anything left blank should be crossed off or marked with "N/A".
"Carolina Mortgages, LLC does the Qualifying Paperwork for you and we do it the right way. We specialize in "Special Circumstances Mortgages." If your credit is not so good or if you need a No Doc Loan, we are available to consult with you for free."
Carolina Mortgage is available to discuss your credit score and how it will affect loan terms. SC Consumer Advice: "Avoid lenders who make your credit score seem worse than it is. Be ready to ask the tough questions and expect adequate answers."
"An Ethical Lender will not only disclose his fees, but will put them in writing. If your lender does disclose his fees, and they're not in line with other brokers, it's another potential red flag."
Carolina Mortgages will discuss with you your Borrower's Bill of Rights.
We believe every lender has an ethical responsibility to provide all of them to every borrower. The SC Lenders in our Ethical Rate Directory have all adhere to these basic principles:
1. Competitive Rate Quote
2. Rate Quote That Won't Change
3. Accurate Explanation of Credit Status
4. Fair Fees
5. Upfront, Full Disclosure of All Lending Fees
6. Accurate Closing Date
7. Immediate Notification of Underwriting Issues
8. Confirmation of a Rate Lock
9. Exceptional Customer Service
10. Advocacy With Lender/Underwriter
11. No Surprises at Closing
12. Help After the Closing
New Loans
* Lowest Rates
* Conventional & FHA Loans
* Less Paperwork
* Easy Application
* Apply For Free
* Learn More
Refinance
* Rates Are Low
* Conventional & FHA Loans
* Fixed Rate Loans
* Low Adjustable Rates
* Learn More
Community Services for South Carolina from Carolina Mortgages, LLC:
Get You Pre-Qualified
* Before You Make An Offer To Buy, See How Much You Can Borrow
* Lower Rates Mean You Can Borrow More
* Learn More on www.CarolinaMortgage.sc
Refinance Your Home
* Rates Are Low
* Conventional &and FHA Loans
* Fixed Rate Loans
* Low Adjustable Rates
New Loans Available
* Lowest Rates
* Conventional and FHA Loans
* Less Paperwork
* Easy Application
* Apply For Free
Carolina Mortgages, LLC Spokesperson, Sherree Hutson, states:"For example, I recently closed a Client with a 502 credit score on an FHA 97% LTV with 3% gift and their interest rate was under 6%.
This means my Client had to bring less than ONE DOLLAR to closing. We specialize in closings like that! Even if you or your Client has been turned down, we are still dedicated to helping you close on your Home or next deal."
Vital Consumer Information from Carolina Mortgage, LLC of Charleston, SC:
Carolina Mortgage Rates Posted Daily on South Carolina's Mortgage Websites for FHA Loans = Rates Disclosed Daily on www.CarolinaMortgage.sc:
FHA Rates Covered:
30 Year FXD
15 Year FXD
Conventional
30 Year FXD
15 Year FXD
10 Year FXD
7/1 ARM
5/1 ARM
3/1 ARM
Carolina Mortgage Rates Are Posted Daily on South Carolina's Mortgage Websites for FHA Loans.
Check South Carolina Mortgage Rates Daily on www.Mortgages.sc and www.CarolinaMortgage.sc. South Carolina's Mortgage Brokers of Integrity brought to you by South Carolina'a Internet Authority.
Carolina Mortgages, LLC Spokesperson, Sherree Hutson, states:
"All too often, sincere Home Buyers are misled by some Loan Providers who deliberately quote a price that seems too good to be true! As the loan approaches the closing date, the low price disappears. The change is blamed on higher market rates."
"This is never the case with Carolina Mortgage, LLC. There is never any grey area with us. We post the current FHA Mortgages Rates clearly and update them daily as changes occur and we NEVER hide behind the smokescreen of "market fluctuations."
Protect Yourself From Lowball Quotes:
* Get the rate quote in writing.
* Discuss locking the rate ASAP.
* Get Qualified Immediately!
* Get the Locked Rate in writing.
The provider should be willing to lock your rate as soon as you have been qualified and give it to you in writing.
* Monitor Rate benchmarks, such as the 10-year Treasury note and mortgage averages on sites like www.Mortgages.sc or www.CarolinaMortgage.sc.
If benchmarks are not rising, generally neither should your mortgage rate.
* Educate yourself, ask a lot of questions, and follow your instincts and only use reputable Mortgage Lenders, Mortgage Brokers and Contract Processors.
Practical Advice From Carolina Mortgage, LLC
Beware of Hidden Fees Getting by You
"We strongly advise the you READ EVERYTHING. Don't sign anything until you've read it through and understand it completely. If a mortgage lender is trying to rush you, walk away.
Under no circumstances should you sign anything if there are blanks that haven't been filled in. Insist that everything be filled in first. Anything left blank should be crossed off or marked with "N/A".
"Carolina Mortgages, LLC does the Qualifying Paperwork for you and we do it the right way. We specialize in "Special Circumstances Mortgages." If your credit is not so good or if you need a No Doc Loan, we are available to consult with you for free."
Carolina Mortgage is available to discuss your credit score and how it will affect loan terms. SC Consumer Advice: "Avoid lenders who make your credit score seem worse than it is. Be ready to ask the tough questions and expect adequate answers."
"An Ethical Lender will not only disclose his fees, but will put them in writing. If your lender does disclose his fees, and they're not in line with other brokers, it's another potential red flag."
Carolina Mortgages will discuss with you your Borrower's Bill of Rights.
We believe every lender has an ethical responsibility to provide all of them to every borrower. The SC Lenders in our Ethical Rate Directory have all adhere to these basic principles:
1. Competitive Rate Quote
2. Rate Quote That Won't Change
3. Accurate Explanation of Credit Status
4. Fair Fees
5. Upfront, Full Disclosure of All Lending Fees
6. Accurate Closing Date
7. Immediate Notification of Underwriting Issues
8. Confirmation of a Rate Lock
9. Exceptional Customer Service
10. Advocacy With Lender/Underwriter
11. No Surprises at Closing
12. Help After the Closing
New Loans
* Lowest Rates
* Conventional & FHA Loans
* Less Paperwork
* Easy Application
* Apply For Free
* Learn More
Refinance
* Rates Are Low
* Conventional & FHA Loans
* Fixed Rate Loans
* Low Adjustable Rates
* Learn More
Community Services for South Carolina from Carolina Mortgages, LLC:
Get You Pre-Qualified
* Before You Make An Offer To Buy, See How Much You Can Borrow
* Lower Rates Mean You Can Borrow More
* Learn More on www.CarolinaMortgage.sc
Refinance Your Home
* Rates Are Low
* Conventional &and FHA Loans
* Fixed Rate Loans
* Low Adjustable Rates
New Loans Available
* Lowest Rates
* Conventional and FHA Loans
* Less Paperwork
* Easy Application
* Apply For Free
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