Excel Mortgage Corp, USA is a local, independently owned mortgage broker. Excel was established in 2007 with a simple goal; provide excellent service, and honest rates and fees. With a combined fifty- year experience in the industry, our team has been able to guide thousands of prospective home buyers and current home owners through the sometimes-complicated mortgage process.
We have been selective in choosing our wholesale lender partners as we demand the same attention to service and competitive pricing that we know our consumers deserve. Excel offers a wide variety of conventional, jumbo, FHA, VA, and USDA loan programs. We work diligently to find the right product and program to meet your needs - not ours.
We have been selective in choosing our wholesale lender partners as we demand the same attention to service and competitive pricing that we know our consumers deserve. Excel offers a wide variety of conventional, jumbo, FHA, VA, and USDA loan programs. We work diligently to find the right product and program to meet your needs - not ours.
Services
About Us
Report
Excel Mortgage Corp, USA was established in 2007 by Ryan Hall and Chris Pappa. Ryan and Chris wanted to take their experience in the industry and expand it to really focus on the client. Meeting with borrowers throughout the process, attending settlements and having a live person answering the phones are just few small ways that show the company's accessibility and dedication to customer service.
Purchase & Refinance Options
Report
With a fixed rate mortgage, the interest rate stays the same throughout the life of the loan, which means your monthly principal and interest payments won't change. You can choose a loan term between 10 and 30 years. We offer programs with low down payments and no monthly mortgage insurance payments, plus additional options for first time homebuyers.
Loan Process
Report
We can help you find the financing solution that's right for you. We'll take into account your target monthly payments given your unique credit history, employment history, income, debt and financial goals. Based on current underwriting guidelines, we'll provide you with an idea of what terms and loan program you can expect to benefit most from given your unique situation.
Faq
Report
Not necessarily, but it will certainly help. It is possible to get a conventional mortgage with a fico credit score as low as 620, and you can obtain a higher cost FHA mortgage with a score in the 500's. However, be aware that the lower your credit score, the higher the interest rate could be.
The short answer is that you can get a conventional mortgage with as little as 3% down, an FHA loan with 3.5% down, and a VA or USDA loan with no money down at all.However, with a conventional or FHA loan, you'll have to pay private mortgage insurance also knowns as PMI, if your down payment is less than 20% of the home's sales price.
The short answer is that you can get a conventional mortgage with as little as 3% down, an FHA loan with 3.5% down, and a VA or USDA loan with no money down at all.However, with a conventional or FHA loan, you'll have to pay private mortgage insurance also knowns as PMI, if your down payment is less than 20% of the home's sales price.
Testimonials
Report
I have worked with Ryan on multiple occasions and each time he has been Fantastic! The loan process can be quite complicated - but Ryan makes sure that everything is clear, transparent and without surprise. Our loan closings went extremely smoothly because Ryan and Excel had everything prepared and ready ahead of time.
Reviews
Be the first to review Excel Mortgage.
Write a Review
