Why should I choose Mortgage Central to handle my loan?
Mortgage Central customers can expect quality one-stop shopping for both loan and real estate services. Mortgage Central offers its buyers no-point loan financing and credit, and appraisal rebates. All it takes is one phone call. Contact us.
What type of Realty Services does Mortgage Central Provide?
Buyer's agent services such as home finding, showing appointments, purchase offer, negotiation and escrow closing.
What types of property does Mortgage Central Finance?
Residential, Commercial, light industrial, multi-family and even animal hospitals.
How fast can Mortgage Central close a home purchase mortgage transaction?
Under the right circumstance and cooperation - 12 days.
I'm a first-time homebuyer. Is Mortgage Central right for me?
Yes, Mortgage Central is happy to work with first time homebuyers and will walk them through the loan process.
What areas does Mortgage Central serve?
Mortgage Central provides home buying real estate services for all of South Orange County, however provides full lending and mortgage services for the entire state of California.
How many investor programs will I have to choose from?
Mortgage Central offers over 100 investor programs.
Where does Mortgage Central get their money?
Predominantly from California mortgage bankers, commercial banks, savings, thrift and loans and private investors.
Does Mortgage Central have the best programs available on the market?
Yes. The following are examples of our program diversification. A, B, C & D credit fixed and adjustable rate first and second mortgages. 125% seconds, 100% purchase first. Fannie and Freddie 3, 5, 7 & 10-year ARMS. Jumbo financing fixed and adjustable to 2 million. CHFA (community homebuyer), CalSTRS (state teacher retirement system) (CalPERS (public employees retirement system). FHA and VA. "A" paper standalone home equity 2nds. (fixed rate-fixed term and lines of credit). California affordable housing programs.
Does Mortgage Central have competitive fees?
Yes. One of the principal reasons why we are competitive is due to our flexibility in pricing each transaction separately. Our origination fee is not a set price or percentage. Our longtime affiliation with title, escrow and appraisal agencies provides our clients with reduced fees.
Does Mortgage Central keep in touch with their clients during the loan process?
Yes. Our clients are very important. One of the benefits when working with Mortgage Central is that each and every client receives special attention throughout their loan and real estate process. Our program has been geared to work with our clients "one on one".
How soon can I expect a response after contacting Mortgage Central ?
Mortgage Central takes pride in returning calls almost immediately. This is a must set forth by one of it's founders. For your convenience, we are available 24-hours a day, 7-days a week by voicemail, pager, and email.
Does Mortgage Central provide personalized service?
Yes. Mortgage Central understands the importance of making the customer not only feel important, but comfortable with the home buying or loan process. During the entire process we constantly are educating our client while staying in touch. BCC Financial provides every client with options and recommendations that produces results.
Can Mortgage Central refer me to a qualified realtor?
Yes. We refer buyers to professionals in California who will help you with your home buying needs.
Can Mortgage Central provide the sale purchase financing?
Yes. We want to provide the financing for buyers in our buyer exclusive real estate purchase program. We qualify all of our buyers prior to helping them find a home. Our buyer's know exactly what they may qualify to purchase and where. Sellers love that our buyers are pre-qualified and are more open to accepting their offers.
Does Mortgage Central offer 100% financing programs for homebuyers?
Yes. We offer the best 100% financing programs for the 1st time buyer as well as non-first time buyers. Our (2) most poplar programs are FNMA CalHLIF AFFORDABLE 100 and California Affordable Gold 100% Program.
Does Mortgage Central issue pre-qualification letters to their homebuyers?
Yes. Mortgage Central provides pre-qualification letters to their prospective homebuyers. A preliminary credit report, income documentation and source of funds required for pre-qualifications.
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