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Important Terms You Must Know BEFORE Obtaining A Mortgage

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This report contains a comprehensive list of mortgage terms that may be used during the loan process. By familiarizing yourself with these terms, you will be able to ask questions to your mortgage consultant that could end up saving you money in loan fees and interest over the lifetime of your loan.

Adjustable Rate Mortgage (ARM): Mortgage loans under which the interest rate is periodically adjusted to more closely coincide are agreed to at the inception of the loan.

Alternative Documentation: The use of pay stubs, W-2 forms, and bank statements in lieu of Verifications of Employment (VOE) and Verifications of Deposit (VOD) to qualify a borrower for a mortgage.

Amortization: The systematic and continuous payment of an obligation through installments until the debt has been paid in full.

Annual Percentage Rate (APR): A term used in the Truth-in-Lending Act to present the percentage...

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Also, make sure you register for our Insider Mortgage Secrets, browse our Homebuying Resources section and fill-out a free no-obligation secure online application or call our North Palm Beach, Florida office at 561-316-6800 with any questions you have.

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This report contains extremely valuable information designed to help you avoid costly mistakes when obtaining a mortgage. Although some of the tips disclosed may not make me popular with the other mortgage lenders, I am more concerned that you have all the information you need to make and informed decision when shopping for a mortgage.

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Approval Hotline: 561-316-6800
www.ChristianPenner.com 
www.AmericasMortgageSolutions.com
TheMortgageTeam@ChristianPenner.com

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The Christian Penner Mortgage Team,
712 US Highway One, Suite 300 North Palm Beach, FL 33408


Click here to view our current licensing information as listed on NMLS® Consumer Access.

FRANKLIN FIRST FINANCIAL, LTD. 538 BROADHOLLOW RD, STE. 401 MELVILLE, NY 11747
IS A LICENSED MORTGAGE BANKER-NYS DEPT OF FINANCIAL SERVICES.
LICENSE #107407 NMLS #1630, HUD APPROVED TITLE II NON-SUPERVISED LENDER #17895-0000-0.
FRANKLIN FIRST FINANCIAL IS NOT ACTING ON BEHALF OF OR AT THE DIRECTION OF HUD/FHA OR THE FEDERAL GOVERNMENT.
ALL LOANS ARE SUBJECT TO CREDIT & APPRAISAL APPROVAL.
PROGRAMS, RATES, TERMS, AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
OTHER RESTRICTIONS MAY APPLY. THIS IS NOT A COMMITMENT TO LEND