NationsChoice Mortgage is a direct lender, also known as a mortgage banker. As such, we make loans with our own funds and close the loans in our name. After the loan is closed, it is sold to a secondary market investor, freeing up the funds for additional lending. Loans sold into the secondary market may be sold “servicing-retained” or “servicing-released” referring to whether the rights to service the mortgage are retained by us or released to the secondary market investor at the time of sale. Our decision to retain or release the servicing rights depends on a number of factors, the most important being which method allows us to offer the lowest rates and points to our customers.
You will be notified at the time you sign your loan documents regarding the servicing of your loan and be given instructions on where to make your mortgage payment. We sell loans servicing-released to only the largest mortgage investors in the country and are confident that your loan will be properly serviced whether we sell it servicing-retained or servicing-released.
Instant Mortgage Rate Help
Loan Amount: How much do you want to borrow? Example: 150,000 (You can borrow up to 100% of the purchase price of your home. You will find better interest rates at 95%, 90%, and 80% progressively.)
Property Value: This is the purchase price of your property or your best estimate of the appraised value of the property. Example: 175,000.
Loan Type: Selecting Refinance WITH CASH OUT may increase your rate. If you want some extra cash to pay the closing costs on your new loan, this would NOT be considered receiving extra cash.
Escrow/Impounds: Allows you to pay 1/12 of your annual property taxes and homeowners insurance with your mortgage payment each month. Escrowing your taxes and insurance will lower your points by .25%
Property State: Specify the State where the property is located
Property County: Specify the County where the property is located
Todays Rates: These rates are based on the following criteria..
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Rates and Fees Apply Online Refinance Home Loan Mortgage Center Company
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Equal Housing Lender National Mortgage Lender Number 164626
AZ BK-0019241 Licensed by the Department of Financial Protection and Innovation under the
California Residential Mortgage Lending Act #413 0556
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or stop by our office at 3303 E. Baseline Rd. #7-118, Gilbert, AZ 85234.
