Fast, reliable pre-approvals, recognized and respected by the Realtors in your community, get your offer accepted. Then, we keep your loan process on track and you informed until you close. Are you looking to be approved for a mortgage / home loan? Whether you're just starting your search, or are already in the process, we are the right choice for helping you to get approved and close on your new home.
With our wealth of knowledge with the ever-changing laws and regulations that have riddled the lending industry, and our vast experience in making the approval process easier for our clients, we can help you get on the right path to getting your new home. Whether you are just starting your search or already own your dream home, A+ Mortgage is the right choice for financing your home.
With our wealth of knowledge with the ever-changing laws and regulations that have riddled the lending industry, and our vast experience in making the approval process easier for our clients, we can help you get on the right path to getting your new home. Whether you are just starting your search or already own your dream home, A+ Mortgage is the right choice for financing your home.
Services
About A+ Mortgage
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A+ Mortgage was founded on the concept that although mortgages are our business, YOU are our mission. From the CEO to the shipping clerk our entire organization is focused on your transaction. We don't have a fancy prompt system, so you can leave a message and hope you get the information needed to get your offer accepted.
Fixed Mortgage Loans
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Fixed-rate mortgages are the most popular conservative loan choice. They provide predictable payments, and make managing you cash flow simple. With no pre-payment penalties, you are given the flexibility to accelerate the repayment of your loan to save interest cost. Fixed mortgage loan terms of 10, 15, 25, and 30 years are typical, but at A+ Mortgage, we can also customize a term that works for you.
Adjustable Mortgage Loans
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In general, the rates on adjustable-rate mortgage loans are lower. The payment of principle and interest is divided over 30 years although the rate is only guaranteed for a portion of the term. For example the principle and interest Payment of a 5 year A.R. M. will be the same for 5 years, then it can change based on pre-determined criteria.
Jumbo Mortgage Loans
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As the name implies, a Jumbo loan is a large loan over $548,250. The Jumbo loan category has different qualifying criteria than a conventional loan, and typically has higher down payments, with established credit scores being necessary to obtain this loan. Interested in learning more about how A+ Mortgage can help you get into the home of your dreams, or refinance your current home?
Private Mortgage Insurance PMI
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You may not know this, but at one time you always had to have 20% down or more in order to purchase a home. The only exception was with some type of government insured loan like FHA or VA. Private mortgage insurance was developed in 1957, right here in Wisconsin, to address this issue.
The advent of Private Mortgage Insurance, or PMI makes it possible buyers to purchase a home with as little as a 5% down payment, because it reduces the lender's risk in case of a mortgage default.Mortgage insurance has sometimes been portrayed in a negative way. The reality is that it serves a purpose for those buyers, who don't want wait until they have saved up a big down payment.
The advent of Private Mortgage Insurance, or PMI makes it possible buyers to purchase a home with as little as a 5% down payment, because it reduces the lender's risk in case of a mortgage default.Mortgage insurance has sometimes been portrayed in a negative way. The reality is that it serves a purpose for those buyers, who don't want wait until they have saved up a big down payment.
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