fast home loans, Virginia VA

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• NO Initial Credit Check
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Quick and easy online mortgage applications for those with either good or bad credit histories. Helps you in finding the right lending program whether buying or refinancing.

Quicken Loans is the leading online home mortgage lender, voted "Best of the Web" by Forbes, Money and PC magazines. They offer mortgages, refinance and home equity in all 50 states. >Apply in 30 seconds.

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fast home loans - Virginia VA: Loans & Mortgages :: Refinancing :: Bad credit loans :: First time buyers home loans :: Advice on the best loan for you :: Mortgage advisor.

Get a rate lock in writing Get a written statement detailing the interest rate, the length of the rate lock, and other particulars about the program.

LOAN offers the following fixed-rate mortgages: Term Loan to value 30 Year Fixed (30 year) Up to 107% 15 Year Fixed (15 year) Up to 95%

Discount points are smart if you plan to stay in a home for some time since they can lower the monthly loan payment. Points are tax deductible when you purchase a home and you may be able to negotiate for the seller to pay for some of them.

One additional advantage is that mortgage brokers tend to attract a high number of the most qualified loan officers. This is not universal, because mortgage brokers also serve as the training ground for those just entering the business. If you have a new loan officer and there is something unique about you or the property you are buying, there could be a problem on the horizon that an experienced loan officer would have anticipated.

Banks and Savings & Loans - Banks and Savings & Loans - Banks and savings & loans usually operate as portfolio lenders, mortgage bankers, or some combination of both.

Pre-Approving Your Loan

When will you know my new interest rate? If you have an FHA or VA ARM loan, we will mail you a letter showing your new interest rate approximately six weeks before your new payment amount is due. If you have a conventional ARM loan, we will mail you a letter showing your new interest rate approximately eight weeks before your new payment amount is due.

Recording and Transfer Charges A record of your home purchase will be on file with your local government , and there is a small fee to cover the cost of paperwork.

Rental properties If you derive income from rental properties, you will need copies of current lease agreements for each rental property that you own.

Origination Fees Your lender will charge a fee to cover the administrative cost of processing your loan. This fee is usually a small percentage of the loan amount.

If you are self-employed or receive 1099 income, then you need a two-year track record. Lenders go by what you declare to the IRS as income, since that is documentable. Since some self-employed people overstate their expenses, this may understate your income. Look at the Schedule C of your tax returns for the last two years and the number at the bottom that says profit is your annual income. You can add any depreciation to that figure. Add them together and divide by twenty-four.