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SEEK OUT A MORTGAGE SPECIALIST WHEN LOOKING TO PURCHASE OR REFINANCE A HOME
Richard Flacks - First Rate Capital Mortgage Bankers
(Reprinted from The "Professional Opinion" Newspaper)
"The financing options available to today's homebuyers are almost endless", says Rich Flacks, VP/ Sr. Loan Officer at First Rate Capital Mortgage Bankers. Whether you're buying your first home, moving to a new home, or refinancing your present mortgage, consult with us first.
While we offer some of the most competitive interest rates available, there are many other factors one must consider. Program selection, costs, credit quality, appraisals, down payments, concessions, underwriting, and approval turnaround time, are in many cases equally important to ensure a smooth transaction. Working with a mortgage "veteran" that takes an active role in helping you to procure your loan approval is the solution to the overwhelming majority of potential pitfalls.
What's new? Gone are the days when you had to put 20% down, have a good job for at least 2 years and maintained an excellent credit rating. Our guidelines have become more aggressive to help you secure your dream of home ownership. Some new programs include 100% purchase financing(Full and No-Income Check), 5% down -No income/asset/job check, programs with little or no closing costs, Reverse Mortgage Programs for Seniors, Commercial programs, 1st time homebuyers, etc. Today we even have loan programs that allow us to generate full mortgage commitments in as little as 24-48 hours!
Why Should I choose First Rate Capital (a mortgage banker), Vs a mortgage Broker or Savings and Loan? -- We offer clients the best of both worlds. We're a direct lender (with over 300 loan programs), that originate, process, underwrite, approve, and close your loan. Unlike a broker, we have NO middleman fees and unlike a traditional bank, that's involved in boat loans, car loans, CD's, money markets, stocks and mostly offer a small selection of program options, we are a specialized bank. We're 100% focused on lending mortgage money. It's our only business!!
What makes us different? Since we're the decision-makers, we can offer far more flexibility and solutions to those individual issues that require a certain amount of understanding on the part of the lender. We understand that not everyone fits the guidelines in the same way. In addition, we offer unique mortgage solutions that get the job done. Whether you have problem credit, are working with minimal monies, require a unique No-Income check loan, Commercial mortgage or Jumbo loan, We work hard to get your loan approved fast. Client Home or Business calls are available by appointment.
Where do I start? One of the most confusing concerns for borrowers is which loan program makes the "most financial sense " for them. The first step is to get pre-qualified so one can tell with more accuracy what program or options there are to choose from. Borrowers should take advantage and utilize the experience of their Loan Officer to help them structure the transaction. There is NO charge or obligation for this service at First Rate Capital. Full Pre-approvals are also available, which can allow you to shop like a cash-buyer.
Speak with Rich first, so you'll know how much you qualify for.
Direct Line: 516-507-7272, or Office (516)454-9700 Ext. 204
We're located at 225 Broadhollow Rd. Suite 132W, Melville, NY. 11747
Rich Flacks, a VP/Sr. Loan officer, is a veteran of the mortgage industry and for over 15 years has been making homebuyer's dreams come true. He is a graduate of the Univ. of Southern California and holds a BS degree in Business. First Rate Capital, a NYS, NJ, CT, Fl, Licensed Mortgage Banker, has been in the mortgage lending business for over thirteen years. In addition, we're an approved Fannie Mae seller/servicer, and are "direct endorsed " by HUD to approve FHA loans.
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