One: Mortgage Brokers generally have lower costs. Two: Mortgage Brokers generally have more options and connections to network with. Three: Mortgage Brokers generally are more knowledgeable; Professional Brokers have to be licensed whereas someone working for a bank or credit union may not. Four: Mortgage Brokers work by referral and need to deliver 100% satisfaction to our clients.
Five: You work directly with with our team of professional mortgage brokers. As a potential buyer you have many loan options; our job is too cut through the red tape so you can have multiple choices from the most competitive lenders for a great rate and unmatched personal customer service. One: Banks are convenient because they often have many locations.
Five: You work directly with with our team of professional mortgage brokers. As a potential buyer you have many loan options; our job is too cut through the red tape so you can have multiple choices from the most competitive lenders for a great rate and unmatched personal customer service. One: Banks are convenient because they often have many locations.
Services
Home Purchase Assist
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If you are considering purchasing a home, you should first get to know your financing options so that you can shop within your budget. A number of factors determine the price range of homes you'll want to preview - one of these factors is loan pre-qualification. There are many different types of loans to consider - FHA, VA, Conventional and even Bad Credit Loans.
Step-by-Step
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Get started by entering your information into the Loan calculator >. Select the Real-Time Quote button and your information will processed in seconds. Find the loan your interested in and select the apply now button. A welcome page will open with a Patriot Act window. Then just fill out the application the following pages.
Your Kal Team
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Trusted throughout the community, Your Kal Financial Team is a proven source providing clients with the highest quality financial services combined with the guaranteed lowest rates available in your area.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the guaranteed lowest rate no matter what your needs are.Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the guaranteed lowest rate no matter what your needs are.Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area.
Rate Lock
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When shopping for a mortgage, the lender may give you a quote for the mortgage interest rate and points (additional fees charged by the lender usually paid at closing by the borrower). These only represent terms available at the time of the quote. They may not be available by the closing date (which may be weeks or months in the future).
Loan Products
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This mortgage is fixed for the entire 30 year term of the loan. This is the most conservative mortgage available providing absolute rate stability but most likely a substantially higher rate than ARM's or hybrids such as the five year or three year mortgages. This loan does not have a prepayment penalty and does not have negative amortization.
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