Sam is pleasure to work with. His professionalism, commitment to getting things done on time, and approachable personality combined with integrity makes all my transaction flow with ease. I trust Sam of City Center Financial with all my deals and have been working with him for over 15 years. He specializes lending, therefore making the process even easier since I only have to deal with one person.
He knows his trades and I have recommended him to many of my clientele, friends, and family. Thanks Sam for all your hard work and dedication to getting the deals done right every time. My wife and I signed a quick purchase contract and Sam delivered for us. He was quick, efficient, and got things done on time and faster than we expected.
He knows his trades and I have recommended him to many of my clientele, friends, and family. Thanks Sam for all your hard work and dedication to getting the deals done right every time. My wife and I signed a quick purchase contract and Sam delivered for us. He was quick, efficient, and got things done on time and faster than we expected.
Services
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The City Center Financial team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. Our Mortgage Advisors here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Types Of Loan Programs Fixed vs Adjustable
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One of the first choices a homebuyer will need to make is whether you want a fixed-rate or an adjustable-rate mortgage loan. The bulk of loans will fit into one of these two categories, however, there is a third option that will allow you to "hybrid" the two. An adjustable-rate mortgage, (ARM): The interest rate of the mortgage adjusts periodically based on market conditions.
Mortgage Refinance
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Refinancing a mortgage is when a borrower gets a better interested rate and loan term. A borrower can achieve lower monthly payments and if they qualify, use their equity to obtain money that can be spent by the borrower. There are several pros and cons of refinancing a mortgage and we can help determine if this is right for you.
Conventional Loans
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Conventional loans are mortgage loans offered by non-government sponsored lenders. A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac. It may have either a fixed or adjustable rate. While many think that a 20% down payment is required for all conventional loans, many lenders now offer low down payment options.
VA Loans
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A VA Loan is Designed to offer long-term financing to veterans. VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice.
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